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Rahul Kumar

Posted 3 months ago

In 2016 i bought a bike on EMI but due to some circumstances i was not able to pay loan amount and now when I checked my cibil report i found that the status of my bike loan is showing as suit filed wilful defaulter written off - So what does it mean and what will happen next to me and how can I protect my self

A. Dear Sir,
Now, you are free from that liability as loan was legally written off. Better share the relevant documents for more guidance.
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Anonymous

Posted 4 months ago

Dear Sir/Madam, I bought an under construction apartment and the construction has been going on for a long time. Recently, an insolvency resolution process has been initiated. Because of this IRP, my association has adviced us to fill 'Form CA- For claims by financial creditors in a class' and submit it to the Interim Resolution Professional. I need your opinion about submitting this form-ca. Can you please provide your suggestions on the following queries? 1. As my property is already registered, is it safe to submit the form-ca? 2. What are the chances of getting the claim in such cases? 3. If I submit the form-ca to interim resolution professional, and if the judgment is not in favor of our association, as per individual expectations, will my apartment registration become void? and do I have to compulsorily accept the compensation that is given to me, if any? or do I have the option to hold on my registration and the ownership of the apartment? Please provide your valuable suggestions. Thank you.

A. Dear Sir,
To be in safer zone you must oblige and file necessary forms to get compensation etc.
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Anonymous

Posted 4 months ago

I tooks loans over last 2 years And lost all money in online gaming .. Now don't have money to repay can I file bankruptcy .. Have 5 credit cards And 5 different loans of total valy 30lacs Please suggest what can be done

A. If you do not have the money then you can surely file an insolvency and bankruptcy suit.
Thanks
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Anonymous

Posted 4 months ago

i am sanjay my father had a personal loan from a bank of 50000 rs. he died five years back. i am unemployed and my mother is handicap blind. we have very low anual income. we can hardly sustain our bread. after death of father his land which has low value. transfered to us. from last five years bank was asking from garenter. now he also died. bank has sent notice on my name. saying- come to meet us in bank or we will auction the land. i have questions. 1. can bank auction land transferred to another person, in case i transfer it to some one else? 2. can bank exempt loan amount due to low income and poor family condition after fathers death?

A. As for question 1

Yes the bank can auction the property if the same was given as collateral against the private loan taken by your father who is no more. If the property was not given as security or collateral then the bank has no rights.

As for question 2

Yes. [The bank has the rights to waive off your loan]. However no bank would actually do that so they might allow you to repay the loan amount in very small installments taking into consideration your financial status. OR ELSE, they might ...ReadMore
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Suneel  Moudgil
Suneel Moudgil Experience: 15 Year(s) Panipat
Munish Kumar Goyal
Munish Kumar Goyal Experience: 6 Year(s) Ludhiana
Rameshwar  Dadhe
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
ii have given a cheque for buying a land @ Rs 700 per sq ft during 2012 During 2015 he say the rate is Rs 900 per sq ft I told to give back my money and not ready for ypur option on the same day till now he is dening to give back my money i want my money with interest and what to do

A. Dear Sir,
You have to get issue a legal notice and file suit for recovery of money with interest, advocate fee and expenses as they violated the conditions.
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Anonymous

Posted 5 months ago

I have availed a loan from a bank and have been paying them regularly. I got laid of in the month of Jan butninstill paid all EMI till April,however i could not manage it for this month and I still dont have a job, i am getting threatening calls from the bank, is there anything that can be done till I dont get a job.

A. Dear Sir,
You may get issue a legal notice 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 institutions that we live in a civilised country and ...ReadMore
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My case is a bit complicated and need immediate help. I have 4 running personal loans from banks and NBFC's. Now I am in no position to pay off the EMI's, I tried to settle these loans but even could not pay that amount. SO is there a way to come out of this situation can I file for bankruptcy as an individual? Please help me with some options.

A. Dear Client,
If you are unable to pay your debts, you can file a suit under the insolvency and bankruptcy code and get rid of such situation.
Thanks.
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I have taken money from some known people on interest and now I'am not able to repay the money. And people started to threaten me because of which i have relocate myself, but somehow they get to know that my relatives knew that where i have relocated. And they started to threaten my relatives with the help of police as they have some resources and they are demanding me to be there. What should I do??

A. Dear Client,
Relocating isn't a solution. Problems are being faced by your relatives because of your fault. Speak to your creditors and try to settle it down amicably.
Thanks.
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Sanjay Kumar Jha
Sanjay Kumar Jha Experience: 17 Year(s) Patna
Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
Shreyash  Mohta
Shreyash Mohta Experience: 1 Year(s) Kolkata
I have taken a business loan from kotak mahindra bank . due to my business crushed down i can't able to repay my emi . i request my bank to reduce my emi.. Can bank reduce my emi.. Or what can i do legally to my bank

A. Dear Sir,
You may approach Banking Ombudsman or Higher Officers of Bank. They have discretionary powers.

Please call me and take legal consultancy on my mobile through the administrators of this website.
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Anonymous

Posted 5 months ago

Sir I have two schools and I m in debts now I want to take a loan against property I have lost the original deed of my property now a Pvt company named lap loan legal associates from Delhi is giving loan on very low rates they have asked me for insolvency certificate I have provided and they have asked me for power of attorney too I have made it with two clauses of mine that power of attorney will be effective only I m unable to pay the three consecutive installments. They are asking for a certificate permission to mortgage tell me will it be safe to take loan from Pvt agency.

A. Dear sir if u lost Ur original documents then no issues u should approach to the nearest registration office and made application for certified copy of documents. It is also original documents. Otherwise call me for more details please
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