icon Defaulter -eligible for getting a govt job

If someone get loan defaulter then is he eligible for getting a govt job.

3 Response(s)

5 months ago


A. Dear
Eligibility for a government job can depend on various factors, including the specific nature of the loan default and the policies of the government or the particular department in question. Generally, loan default may not automatically disqualify an individual from obtaining a government job, but it can impact the overall assessment of the candidate's character and financial responsibility.

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icon Credit card harrasment

How can we deal with harrasment from credit card collection team?

2 Response(s)

5 months ago


A. Dear Client,
In fact, loan or credit card dues defaulters have no legal remedy to escape themselves from their liability of repayment of loan. Lenders are not legally obliged to settle a debt lowering your outstanding debt, but because they want to protect their bottom line, they may agree to a debt settlement to avoid further financial loss. You can try to negotiate a debt settlement on your own if your pocket permits to repay the entire outstanding at a time for a one-time settlement of dues, ...ReadMore

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icon money lending

hello sir/madam - my brother borrow 58000 from his friend and wrote stamp paper of 100 . on this stamp paper he wrote that if i dont pay this amount my friends have all rights to get my bike as collat

2 Response(s)

5 months ago


A. Dear Client,
A mere agreement on a Non-Judicial Stamp Paper without collateral security by way of a promissory note or with a post-dated cheque or in the absence of an Affidavit sworn before the Judicial Magistrate supporting that piece of document, got no legal sanctity and enforceability under law. If the matter is litigated for any reason, both the owner of the vehicle and the lender would face legal consequences apart from other harassment.

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icon My loan repayment from a private lender is delayed by my side.

I borrowed 4 lakhs from a mutual friend, on a monthly 10% interest, for trading purpose, for 3 months. I paid the interest for 4 months to different accounts as asked by the lender. In the meantime, t

3 Response(s)

5 months ago


A. Dear Sir,
You may lodge multiple complaints and save yourself because there are doing illegal money lending business which cannot be approved by the Police and the Courts.

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icon Legal Consultation Regarding Committee Money Dispute

I am writing to seek your legal advice and guidance regarding a complex situation my family is currently facing.In 2020, my father passed away, and I have been residing in Australia since 2019. He was

3 Response(s)

5 months ago


A. Dear Sir,
If they filed false case then you just approach the High Court for quashing of such FIR and ultimately it will be quashed. In the meantime you can lodge complaint with Police or else directly file private complaint before the Magistrate.

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icon loan app repayment

took loan of 16k two years back and payment of 6k done, due to corona i wasnt able to pay the amount there after they said to pay 30k i said it is too huge and cannot, now they asked me to come to cou

2 Response(s)

5 months ago


A. Dear Client,
Lenders are not legally obliged to settle a debt lowering your outstanding debt, but because they want to protect their bottom line, they may agree to a debt settlement to avoid further financial loss. You can try to negotiate a debt settlement on your own if your pocket permits to repay entire outstanding at a time for one time settlement of dues, but sometimes it's typically done through third parties like debt relief companies, which you may hire to negotiate the settlement matt ...ReadMore

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icon Payment and settlement act , section 25

So due to 8 months of unemployment I had unable to pay the debt and after 3 emi they registered the case on me so , I am now closing my loan fully prior to first hearing . Is there any chance of dismi

2 Response(s)

5 months ago


A. Dear

Here are some important points to consider:

Jurisdiction: The jurisdiction where a legal case is filed should align with where the loan agreement specifies or where the lender has a legal presence. If the case is filed in Delhi, it should typically be related to the lender's operations or your agreement with the lender.

Consequences of a Case: When a case is filed against you, it can lead to various consequences, including a legal judgment against you, which may result in wage garnishmen ...ReadMore

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icon Credit card - paid my monthly due

I paid my monthly due and my transaction was successful but due to server error or some technical issue, the banks payment gateway didn’t receive the payment. Now the collection manager is asking me

2 Response(s)

5 months ago


A. Dear Client,
You are absolutely on the right track taking the stand that until and unless you previous payment gets reversed to your account, you will not opt for another payment against the scheduled EMI. In case you are facing repeated calls or harassment from the concerned Bank then bring the matter to the higher authority of the Bank through a written complain to resolve the matter failing which a complaint under the RBI integrated Ombudsman scheme, 2021. shall be made online on the portal ...ReadMore

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icon Hand loan given to friend not giving since 5years

I have given Rs.5Lacs (1.5+3.5) in 2018. After lot of persuasion got 2.25lacs(2+0.25) , remaining 2.75lacs he is not returning back to me. I have bank statements recorded transactions of money sent to

2 Response(s)

5 months ago


A. Dear Client,
Sorry to say, based on a standalone bank statement that reflects no purpose behind the transaction of money between you and your so-called friend, you cannot recover your lending money from the friend even through litigation before the Court. Instead, in case you opt for litigation to recover the outstanding lending money, you may face backfire from your friend and to face adverse consequences.

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icon Debt recovery issue

My husband took 20 lakhs personal loan and also car loan both on my name. I transferred personal loan amount to my husband's a/c via netbanking. Now he refused to pay EMI of personal loan but wants to

2 Response(s)

5 months ago


A. Dear Client,
If the personal loan was taken in your name, you are legally responsible for repaying it according to the terms of the loan agreement, regardless of whether you transferred the funds to your husband's account. If your husband refuses to pay the EMI, it may ultimately affect your credit score and financial standing. You can file a civil suit against him for the recovery of the personal loan amount if he refuses to pay. Be aware that non-payment of EMIs on loans in your name can negat ...ReadMore

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