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ask_a_question

Sourav Mondal

Posted 2 weeks ago

I am unable to pay off my debts as financial status gotten worst. I have paid several bills for card issuing companies. But they are issuing high interest rates that I can't afford at this stage. I am about to die. I can not afford high fees for legal consultation.Please help me out.

A. Inform your creditors of such financial condition and try negotiating a settlement.
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Mohammed Raisuddin Anwar
Mohammed Raisuddin Anwar Experience: 11 Year(s) Kolkata
Simi  Paul
Simi Paul Experience: 1 Year(s) Kolkata
Devashish  Wani
Devashish Wani Experience: 4 Year(s) Mumbai
Main 10 lac tak ka loan liya tha trading ke liye alag alag banko tatha finance instition se Per Mera sara paisa Trading me dub gaya, ab creditor paiso ki mang kar rahe hai, recovery wale pareshan kar rahe hai main ek salaried person hoo aur mera sab gujara usi pe chalta hai, maine sabhi banko tatha finance instition walonse bola ki mai thoda thoda karke unke paise lauta dunga par wo uske liye tayyar nahi hai, daily mere ghar aakar mere office aakar meriko pareshan kar rahe hai mai tank aa chuka hoo, mujhe salah ki jarurat hai . mujhe lagta hai ki mai kahi galat kam na kar baithu khudke sath ya parivar ke sath

A. Dear Client,

You have 2 available options at this stage,

a) 1) File an NC with the nearest police station against the people harrassing
you and/or
2) You may also seek help of Banking Ombudsman of your jurisdiction
through online.
b) You may also issue a notice seeking some time or action to resort it through
amicable discussion stating your grief.

Do rate, hit the helpul button and share, if u find me helpful.
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ask_a_question

Anonymous

Posted 4 weeks ago

I am under huge debt of credit card and personal loan.The collective EMI is much higher than my salary.So i couldn't pay the EMIs.2 of my loans of HDFC became NPA though im not sure about it.Im not receiving any calls or reminders about this loan.I cannot pay for other loan of Tata cap,and credit cards.Now im.getting tortured by collection agents.What legal assistance i can get ?

A. Dear Sir,
You may file insolvency petition or get issue a legal notice to avoid nuisance from recovery agents on the basis of following judgment.
==============================================
ICCI Bank Limited vs. Prakash Kaur case,

The Supreme Court in a landmark judgement reiterated its earlier stand that banks cannot deploy musclemen for recovery of loans from defaulters thus forcing them to end their lives.

"We deem it appropriate to remind the banks and other financial institutio ...ReadMore
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Neena Perpetua  C
Neena Perpetua C Experience: 19 Year(s) Coimbatore
Narender Raj  Gubba
Narender Raj Gubba Experience: 23 Year(s) Hyderabad
Raghu  Rajegowda
Raghu Rajegowda Experience: 6 Year(s) Bangalore
ask_a_question

Rajat Kumar

Posted 1 month ago

I took a loan from flurton india approx 1lac..i'm not able to pay right now.. But recovery agent torturing me what I need to do

A. Hi client,
The recovery agents cannot harass or mentally torture for the debts. You need not worry. Write a letter to the concerned higher authority , pray for some time. If this doesn't work go for a legal notice and a suit later.
Thank you
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Md Shafiuddin  Yakub Ali
Md Shafiuddin Yakub Ali Experience: 14 Year(s) Hyderabad
Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 34 Year(s) Bangalore
BANDARU  RAJYA LAKSHMI
BANDARU RAJYA LAKSHMI Experience: 14 Year(s) Visakhapatnam
Need legal advice for my future course of action

A. Dear Sir,
http://lawgyaan.in/faq-insolvency-bankruptcy-code-2016-ibc/

http://dpal.kar.nic.in/pdf_files/7%20of%201963%20(E).pdf

FAQ on Insolvency and Bankruptcy Code, 2016 (IBC)
FAQ on Insolvency and Bankruptcy Code, 2016 (IBC)
The motive behind these Frequently Asked Questions is to address the basic queries of the stakeholder (Companies, Individuals, Partnership Firms, CEO, MD, Directors, professionals, students) on the Insolvency and Bankruptcy Code, 2016.
Evolution, purpose of IBC and Autho ...ReadMore
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Simi  Paul
Simi Paul Experience: 1 Year(s) Kolkata
Suneel  Moudgil
Suneel Moudgil Experience: 16 Year(s) Panipat
ask_a_question

Anonymous

Posted 2 months ago

I have any loans and no income now, therefore, I was to declare bankruptcy. How can I do that? And will banks stop calling and asking for money after that?

A. Dear Sir,
You may go through following procedure.
===========================================================
http://lawgyaan.in/faq-insolvency-bankruptcy-code-2016-ibc/

http://dpal.kar.nic.in/pdf_files/7%20of%201963%20(E).pdf

FAQ on Insolvency and Bankruptcy Code, 2016 (IBC)
FAQ on Insolvency and Bankruptcy Code, 2016 (IBC)
The motive behind these Frequently Asked Questions is to address the basic queries of the stakeholder (Companies, Individuals, Partnership Firms, CEO, MD, Directors, prof ...ReadMore
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SIVAPRASAD KANIYANKATTU

Posted 2 months ago

OUR BELOVED MOTHER PASSED AWAY IN 2018. SHE HAD INVESTED CERTAIN AMOUNT IN A FINANCIAL INSTITUTION LATER FACED LEGAL PROBLEMS AND COURT APPOINTED ADMINISTRATOR. IN THE COURSE TIME THE DECEASED INVESTOR NOMINATED HER GRAND SON TO RECEIVE THE PROCEEDA IN THE EVENT OF DEATH. NOW THE ADMINISTRATOR DECLINED THE NOMINEE'S CLAIM INSISTING FOR LEGAL HEIRS. WHEN THERE IS A NOMINEE IS IT FAIR ON THE PART OF ADMINISTRATOR TO SUMMON EACH AND EVERY SON AND DAUGHTER AND SIBLINGS FOR SETTLEMENT ?

A. Dear Sir,
You may approach again to the same Court saying that the action taken by Administrator is not legal and ask the Court to instruct the administrator accordingly.
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ask_a_question

Anonymous

Posted 2 months ago

I have 2 unsecured loans and one secured loan but cannot pay emi of secured one right now, can i stop my Emi for a while for my unsecured personal loan and pay for my secured home loan and what are the repercussions that i have to face/solution

A. Dear Sir,
You may approach the bankers and senior officers and you may get appropriate reliefs.
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ask_a_question

Anonymous

Posted 2 months ago

I am unable to pay my credit card debt, I have faced huge losses in my business, right now I have no income, how to file bankruptcy in kolkata?

A. Dear Sir,
You may used the following judgment and ask your advocate to get issue a legal notice and then they may not give trouble to you.
==============================================================
ICCI Bank Limited vs. Prakash Kaur case,

The Supreme Court in a landmark judgement reiterated its earlier stand that banks cannot deploy musclemen for recovery of loans from defaulters thus forcing them to end their lives.

"We deem it appropriate to remind the banks and other financial in ...ReadMore
Helpful
Helpful
Share
ask_a_question

Anonymous

Posted 2 months ago

My father behalf of myself, brothers and sister invested money in known local chit person (unregistered) up to 6 Lakhs. My father expired in 2019 and the chit person said will give money but from last 1 year he is not giving and after so many follow-up’s he has sent insolvency notice to us and came to know, he is due money not only to us but to others as well. It seems to big fraud and lot of money involved which he cleverly diverted funds and claiming insolvency. What should we do now Sir. Kindly advice.

A. Dear Sir,
You may immediately approach the police station.
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