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Dear Client,
When a person issues a post-dated cheque against a promise or against any refund of money refundable by her or him and the cheque receiver holding the said cheque is free to present the same for encashment. If, on presentation, the cheque is dishonored or bounced for any reason, then the holder of the Cheque can file a criminal suit against the drawer of the cheque under section 138 N I Act, 1938 within three months from the date on which it was presented in the bank and dishonored

Dear client,

Yes, you can take action against the bank’s harassment. While banks have the right to recover loans, they cannot harass you, call your workplace repeatedly, or threaten you.
The Reserve Bank of India (RBI) has established guidelines for loan recovery practices.These guidelines aim to protect borrowers from harassment and ensure fair treatment.

Recovery agents must maintain decorum and avoid harassment.  
They should not contact borrowers at inappropriate times.  
They should

Dear Client,
SingleDebt specializes in effective debt management solutions, helping individuals and businesses reduce their debt and regain financial stability. Instead of juggling multiple creditors, you’ll make just one comfortable payment each month based on your situation, income and expenditure. With this method, you will make payments to the debt settlement company rather than your creditors/lenders, along with the payment of fees or service charges. Debt settlement is an agreement betwe

Dear Client,
In the given scenario, you may negotiate or settle your dues against your credit card with the Bank by following the steps like lowering interest rate, arranging for a reduced interest rate is one of the most common requests a defaulter credit card holder can make to the Bank, creating or restructuring a repayment plan or extending the tenure of repayment of a credit card dues, looking for debt forgiveness. offering a one-time settlement payment under the OTS Scheme. But all your a

Dear Client,
In the absence of any documentary evidence behind the transaction or exchange of money between the parties, based on the standalone digital documents of transfer, a person cannot prove his claim that he remitted the money as a loan to the payee. So, in the given scenario, neither you nor your friend is in the position to take any legal action against the other. However, you can serve a legal notice to your friend asking him to refrain from such kind of threat, otherwise, a complaint

Dear Client,
In India, money lenders are governed by the Money Lenders Act, 1957 in different states. Any individual/organization engaged in a money lending business must hold a license from the appropriate authority such as the RBI or the State Legislature. A money lending license is usually granted by the Revenue Department of the respective state government in compliance with the provision of the Money Lenders Act and the state-specific rules. If any person or a group of persons is involved

Dear Client,
A borrower of a loan is held personally liable for his or her debt for non-payment of the outstanding amount of the loan and legally, there is no escape route to get rid of that liability. Even in the absence of a borrower or guarantor his or her surviving legal heirs are held liable to write off the debt from the asset or property they inherited from the deceased borrower. Under the Provincial Insolvency Act, 1920 (which is now repealed as IBC Code 2016), you can file for bankrupt

Dear Client,
In India, money lenders are governed by the Money Lenders Act, 1957 in different states. Any individual/organization engaged in a money lending business must hold a license from the appropriate authority such as the RBI or the State Legislature. A money lending license is usually granted by the Revenue Department of the respective state government in compliance with the provision of the Money Lenders Act and the state-specific rules. If any person or a group of persons is involved

Dear Client,
In the given scenario, you can file a petition praying for an Order of Protection in the City Civil Court or District Court. A Protective Order is a civil court order that is designed to stop violent and harassing behavior and to protect your family from the abuser whose attitude or behavior appears to be life-threatening. There are two types of Protective Orders available for you. 1. Emergency Order of Protection (Ex Parte Emergency Order of Protection) - The Petition for Protectiv

Dear Sir,
You may go to High Court challenging that garnishee order or appear before the same Court if not a party get implead yourself as a party and see that such order is recalled. If you have money then pay the amount and resolve the issue otherwise contest the case taking defence that it is time barred.