India's #1 Debt Settlement Platform

Drowning
in debt?
We'll help you
Breathe Again.

Our certified legal experts negotiate directly with banks and NBFCs on your behalf — so you can stop the harassment, cut your debt by up to 80%, and rebuild your life.

AKRPSMVG
10,000+ Indians helped Across credit cards, personal loans & business debt
Free Consultation
Check what you can do today

Share a few basics. Our team will help you understand the next safe step for loan resolution or recovery harassment support.

No obligation. Results depend on lender policy, documents and case facts.

₹0 Cr+
Total Debt Settled
0+
Happy Clients
0+
Years Experience
4.7 ★
Google Rating

Your Roadmap to Debt Freedom

A calmer, more structured route from collection pressure to a documented resolution plan.

01 Review

Understand your full debt picture

We review your loans, notices, payment status, income pressure and urgent collection issues.

  • Private case intake
  • Debt and lender mapping
  • Immediate risk check
02 Protect

Document harassment and legal notices

We help organize call logs, WhatsApp messages, emails, statements and notices into one clear case file.

  • Evidence checklist
  • Notice review
  • Safe response guidance
03 Speak

Lawyer-led communication starts

When required, our legal team can communicate with lenders and recovery teams so you are not handling pressure alone.

  • Representation notices
  • Calm, documented replies
  • Escalation support
04 Resolve

Negotiate a practical way forward

Based on your ability to pay and lender response, we work toward settlement, restructuring or a suitable closure path.

  • Settlement strategy
  • Payment documentation
  • Closure record support

Save more with DebtMukt

Use this quick estimator to compare an illustrative settlement route with continuing under pressure. The final plan depends on your lenders, documents and case facts.

₹0₹15,00,000
₹0₹25,00,000
Missed any EMI payment in the last 2 months?
Total Debt ₹10,00,000
Loan Free In 34 Months
Possible Settlement Payable ₹4,50,000
₹4.5L
With DebtMukt
₹21.4L
Without Support
Potential Saving ₹16,93,000

Illustration only. Settlement amounts, timelines and savings are not guaranteed and depend on lender policy, account status, documents and negotiations.

Stop dealing with threatening calls alone.

Our team helps you record facts, respond through proper channels and reduce direct pressure by moving lender conversations into a documented process.

Call script supportKnow what to say, what not to admit and what to record during recovery calls.
Evidence checklistCollect call logs, messages, notices and payment records safely for review.
Escalation guidanceUnderstand when a matter may need a formal complaint or legal response.
Recovery agent has called 18 times today.
Document call logs. Avoid arguing. We will help prepare a response.
They contacted my office too.
Share screenshots and call details. We will review escalation options.

We Fight for You

From RBI compliance to full legal protection — every part of our service is designed around your safety and financial recovery.

🏛️
RBI Compliant
All our processes strictly adhere to RBI guidelines and consumer protection laws. You are fully protected throughout the settlement process.
⚖️
Certified Legal Experts
Our panel of experienced debt resolution lawyers have decades of combined experience negotiating with India's largest banks and NBFCs.
No Upfront Fees
We charge zero fees until your debt is successfully settled. Our interests are 100% aligned with yours — we only win when you win.
🚫
Stop Harassment
The moment you join our programme, our lawyers send legal notices to recovery agents. The calls stop. You get your peace of mind back.
🛡️
Protect Your Assets
We develop strategies to protect your home, business, and assets while working toward a negotiated settlement with your creditors.
📄
Transparent Pricing
No hidden charges. No surprise fees. Every cost is disclosed upfront, and you get a detailed settlement agreement with full legal documentation.

Support for unsecured loan stress

Clean, case-by-case support for borrowers dealing with repayment pressure, recovery calls, overdue accounts or settlement discussions.

CC

Credit Cards

High interest dues, minimum payment traps, over-limit balances and bank recovery pressure.

PL

Personal Loans

Missed EMIs, restructuring requests, settlement negotiation and legal notice review.

BL

Business Loans

MSME cash-flow stress, multiple lenders and documentation for realistic repayment plans.

NB

NBFC / App Loans

App-based loan pressure, repeated calls, messages and unfair collection behaviour.

PD

Payday Loans

Short-term borrowing cycles, rollover stress and coordinated repayment or settlement planning.

ED

Education Loans

Moratorium issues, overdue EMI pressure and communication with lenders or servicers.

MD

Medical Debt

Unplanned hardship cases where affordability, documentation and lender negotiation matter.

MD+

Multiple Debts

Several lenders, overlapping calls and a need for one organized legal communication strategy.

Real Results, Real People

★★★★★

"I was drowning in credit card debt across 4 banks and getting 15+ calls a day from recovery agents. DebtMukt's lawyers stopped the harassment within a week and settled my entire debt in under a year."

AV
Ananya Verma
Bengaluru · Credit Card Debt
₹6.4L
Owed
₹2.2L
Settled
₹4.2L
Saved
★★★★★

"My business failed and I had taken multiple loans. I thought there was no way out. DebtMukt negotiated with all my lenders simultaneously and got me a deal I never thought was possible."

RS
Rajesh Sharma
Delhi · Business Loan
₹12L
Owed
₹3.9L
Settled
₹8.1L
Saved
★★★★★

"I was sceptical at first — 'too good to be true.' But from the first consultation call, they were transparent and professional. They settled ₹3L worth of personal loan in just 9 months."

MK
Megha Kaur
Mumbai · Personal Loan
₹3.5L
Owed
₹1.2L
Settled
₹2.3L
Saved

Quick Eligibility
Check

Most people who qualify share these three traits. If you tick any of these boxes, we can likely help you — significantly.

Total debt over ₹1,00,000 Across any combination of credit cards, personal loans, or business loans
Missing payments or struggling to pay You've fallen behind or can barely make minimum payments each month
Facing creditor calls or legal notices Recovery agents are calling, or you've received a legal notice from a lender
Start Your Free
Debt Analysis
Takes 2 minutes. No commitment required.
🔒 Your information is 100% confidential

The Lawyers Fighting
for Your Rights

Our panel of certified debt resolution attorneys have collectively negotiated over ₹500 Crore in settlements across India.

👨‍⚖️
15+ Yrs Exp.
Adv. Vikram Singh
Senior Debt Resolution Counsel
Delhi High Court • 2,000+ Cases
👩‍⚖️
12+ Yrs Exp.
Adv. Priya Sharma
Consumer Rights Specialist
Bombay HC • RBI Expert
👨‍⚖️
18+ Yrs Exp.
Adv. Rajesh Menon
Banking & NBFC Negotiator
Supreme Court • 3,500+ Cases
👩‍⚖️
10+ Yrs Exp.
Adv. Kavita Rao
Debt Restructuring Expert
Madras HC • MSME Specialist

Frequently Asked
Questions

Everything you need to know before taking the first step toward financial freedom.

Will debt settlement affect my CIBIL score?
Yes, settlement will temporarily lower your score. However, once your debts are resolved, we help you with a credit rebuilding plan so your score recovers over time — many clients see significant improvement within 12–18 months.
Is debt settlement legal in India?
Absolutely. Debt settlement is completely legal in India and is recognized by RBI guidelines. Banks and NBFCs regularly accept settlement offers, especially when the borrower is in genuine financial hardship. Our lawyers ensure every step is fully compliant.
Can creditors sue me if I join this program?
Once you enroll, our lawyers send formal legal representation notices to all your creditors. This legally restricts them from direct contact and most collection activity. If any lender does file suit, our legal team handles it entirely at no extra cost to you.
How long does the process usually take?
Most clients see their first settlement within 6–12 months. Complex cases with multiple creditors can take up to 18–24 months. We give you a realistic timeline during your free consultation based on your specific debt profile.
What if I can't afford to pay even the settlement amount?
We work around your current financial capacity. Settlement amounts are negotiated to a level you can actually afford, and in many cases can be paid in installments. Our goal is a plan that is genuinely sustainable for you — not just the bank.
Take the First Step

Your Financial Freedom
Starts Today

Don't wait for things to get worse. Get a free analysis today that can save you lakhs and years of stress.