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I had paid INR 9.25L to a builder as Loan / Investor when the work of the building had not started with a condition that alll work will be completed with in 3 years and i will have a option to take my money back or the Flat. I have an Allotment Letter signed by the CO. with delay paymnet clause. Now the Builder is saying that becos of RERA his entire project has delayed by 2 years and doesnt have money to pay, so i need to wait to get my flat after 2 years with around additional 30% costs for Taxes, Duties etc.... I am not intered in taking teh Flat as i had given the money as Loan to him. Can i issue him a Legal Notice under Insolvency Act. I dont want my slef to be treated as Consumer under RERA as this will elongate my case. Please advice

A. Dear client kindly issue legal notice through any experienced local lawyer for recovery of your money.
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Dear sir i have a hdfc credit card , credit limit 35000, i have made 2 years minimum due 3000, but from past 2 months not able to make payments , i need protection legally to avoid recovery team, please tell me what action should I do legally

A. Dear client kindly visit your bank and discuss your problem with authority of bank.i hope they can help you to resolve your issue.
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Anonymous

Posted 1 month ago

Can you please tell me the process, expenses and requirements for filing personal insolvency.

A. Dear Client, Personal bankruptcy is a legal process which allows you to be discharged from most of your debts. Once filed, the property of the debtor is given to a Licensed Insolvency Trustee who then sells it and distributes the money among the debtor’s creditors in settlement of the debt. Once you are bankrupt, the process is fairly simple. To obtain your discharge you must complete certain duties including: • surrender certain assets and your credit cards; • attend two credit counselling sessions; • provide proof of income and expenses; • make payments including if required surplus income payments; • provide information needed to file necessary tax returns. The best solution for you would be ask Vidhikarya,com to find a good Advocate specialised in Company Law for you who can do the job. Shanti Ranjan Behera, Advocate
Shanti Ranjan Behera Exp: 21 Year(s) Bhubaneswar
Kishan Dutt Kalaskar Retired Judge Experience: 32 Year(s) Bangalore
ARPIT BATRA Experience: 10 Year(s) South Delhi
Deepak Bade Experience: 8 Year(s) Nanded
Hi Sir/Madam, My name is Sriram from Vellore (Tamil Nadu). I got education loan for my engineering degree (2008-12) but could not able to repay entirely. I could not get a job for an year and the job wasn't paying me enough to handle my own expenses. And my mom got cancer and entire money went for that. and I paid 1.25 L and rest am paying month on month (15,000 per month). Am ready to pay 15000 every month but they filed a case against me and asking me to pay 1.5L now but I don't have any jewels or property to sell and pay them. I tried but could not get bulk money. The bank is not accepting my request. If they arrest me, my entire career and life will get spoiled. Kindly provide me suggestions that how can I handle the situation? Thanks in advance, Sriram K

A. Pl take services of a local expert lawyer for the same.
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I am a widow, my husband was a sbi bank Assistant Manager, after retired he borrowed a loan from sbi 420000 in February 2018, and he died in june 3rd 2018, but he gave no money to me or our children, I am not able to pay his loan, What are the rights for me, what should I do, please give an advice, and if I dont pay his loan, then what happend to me, what is banks rights

A. Dear client kindly approach to concerned Bank and ask about all details and try to find out settlement and further process with discussion of bank or credit manager.go through experienced advocate
Deepak Bade Exp: 8 Year(s) Nanded
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Anonymous

Posted 1 month ago

Respected sir/mam, I was asked to submit my original certificates as a collateral for my job for bond period of 4 years. If I was supposed to break it I have to pay a sum of rs 1 lakh. All I want to know is will this type of bonding is valid in india or not? Note: no special training or valuable training provided by company

A. Dear client employment bonds are not valid.kindly go through experienced lawyer for defence
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Ambrose Leo Experience: 8 Year(s) Bangalore
I sir/madam, I am 31 yrs old lady living with my parents currently. I have a 1 sister n brother, and I'm the only earning person of my family. My father is pensioner with 2k pension monthly.he took a loan from 1 lady who lives nearby to our house which was around 4L when he was working for which he haven't made any legal document that he is taking this amount from this lady, and when he got retired from his job so all pension which he got from his entire service he paid entire loan amount with interest, in which only 75k was pending that time so we told her we will pay it later 1s we have some cash, but while taking loan as thr r no legal documents r made while paying her back also we haven't made any legal documents.but now that lady visits our house ever now n then standing in door only use bad words towards my family I want my money back and it's around 6L now. So give me your house if pay such amount, she also humiliate us while on road also, use bad words towards me n my family. My mom is already a heart patient my dad is above 60. I tired of her behaviour, I'm lot frustrated also. I don't know what to do, plz help me

A. Dear client your query is not clear for legal opinion and legal resolution.kindly provide more clear detail or contact with vidhikarya lawyers
Deepak Bade Exp: 8 Year(s) Nanded
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I have personal loan of 3 lakhs and credit card due of 1.5 lakhs. Till May 18, I paid all EMI and Dues on time, but from March 18 I am jobless and unable to pay now. I like to file Individual Bankruptcy. Please let me know how to do and under which section (as of now, after amendment of 2016 of IBT).

A. Dear client you need to meet recovery officer of the bank, He may grant you some time. Apart from that you can file complaint under section 243 of Insolvency and Bankruptcy Code, 2016.
Deepak Bade Exp: 8 Year(s) Nanded
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Ajeem SM

Posted 4 months ago

I got a loan from lendingkart for 12lacks ..I have pending of 3.75 lacks.. they are now calling me and telling they got order and i will be arrested in 5 days.. can i get time for 2 more month to settle the amount

A. Dear client! you are telling the fact there can not be an order for arrest. You can demand additional time to repay the loan through the registered letter to the bank.
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Uma Mageswnara Rao

Posted 4 months ago

I want to know the details and procedure for my Citibank credit card debt. No job and no money with me. I have to pay nearly 2 lack to bank. I avoided their tele calls returned the letters. I am not denying to pay. But right now I don't have money and no job. I need time to repay. Please solve and advice me.

A. Wait till they issue some notice to you. As soon as you receive the notice write a email about your intention to repay the said debt.
GANESH SHARMA Exp: 2 Year(s) Faridabad
Mohd Imran Experience: 3 Year(s) Faridabad

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