23,000+borrowers helped across India
Threats, morphed photos, messages to your contacts? We check who the real lender is, stop the harassment and settle only what you legitimately owe.
23,000+
borrowers helped
Legal experts
not recovery agents
RBI rules
Fair Practices Code
In writing
every offer on record
Small loan, big deductions
Very short tenure
New app loan to repay the old
Contacts get messaged
Threats and morphed photos
No idea who the lender is
You don't have to face this alone.
Talk to a legal expertHow it works
You approve every decision. Nothing is paid or agreed without your go-ahead.
Share your loan details. A legal expert reads your agreement and statement and tells you honestly whether settlement makes sense.
You get the strategy, the realistic range and our fee in writing before any work starts.
We put a One-Time Settlement proposal to your lender and handle every counter-offer on record.
Nothing is accepted without you. The settlement amount goes directly to the lender's official account, never to us or an agent.
We check the settlement letter and No-Dues Certificate, and follow up until your credit report shows the account closed.
The end result
Settlement letter on the lender's letterhead
The agreed amount, due date and account number, in writing, before you pay.
Payment to the lender, not to us
You pay the lender's official account, and you get a receipt for every payment.
No-Dues Certificate and credit report update
We follow up until the NOC is issued and the bureau shows the account closed.
Is it right for you
If one or more of these sounds like you, a free case review will tell you where you stand. No obligation.
The service
In short: A loan app is legal only if the lender behind it is a bank or an RBI-registered NBFC named in its Key Fact Statement. Illegal loan apps often deduct hidden fees, demand repayment within 7 days and harass borrowers' contacts, all of which break RBI's digital lending rules.
Loans taken through a lending app are usually small, short-tenure, and unsecured, but the first question is not the amount. It is who the lender actually is. Under the RBI digital lending guidelines, a Digital Lending App must operate on behalf of a regulated entity, a bank or an NBFC, and that entity must be disclosed to you along with a Key Fact Statement showing the full cost of the loan.
Legal Savvy starts by identifying the regulated entity behind the app and checking whether the disclosures you were given meet those requirements. Where the loan sits with a regulated lender, we negotiate a settlement with that lender directly. Where an app cannot show a regulated entity behind it, that itself changes what the app is entitled to demand from you.
Don't have them all? Start anyway. We'll help you get copies from the lender.
What we will always do, and what we will never ask of you.
Calls after 7 pm, threats, calls to your family. RBI rules forbid all of it. We document it and make the lender answer for it.
Stop the harassment
Why use legal experts
Who deals with the lender
You, alone, on every call
Your legal expert, in writing
Settlement offers
Verbal promises that can change
On the lender's letterhead
Recovery pressure
Calls you handle yourself
Conduct checked against RBI rules
Legal notices
Unclear what to reply
Drafted replies within the deadline
Closure
NOC often missed
Settlement letter and NOC checked
How do I file a loan app harassment complaint?
How can I tell if a loan app is illegal?
What should I do about 7-day loan app harassment?
Do I have to repay an illegal loan app?
The loan app is messaging my contacts. What can I do?
Free case review
About 2 minutes · Private · Free, no obligation
Unsecured loansIf your personal loan EMIs have stopped being affordable, Legal Savvy negotiates a One-Time Settlement with your lender under the RBI Fair Practices Code. Every offer is confirmed in writing before you pay anything.
NBFC loansNBFCs follow their own RBI Fair Practices Code, separate from the one that binds banks. Legal Savvy negotiates settlements with NBFC lenders and holds their recovery conduct to those rules.
Credit cardsCredit card dues grow faster than any other unsecured borrowing. Legal Savvy negotiates a settlement directly with your card issuer and insists on a written settlement letter before any payment is made.
Business loansWhen a term loan, working capital line, or MSME facility stops being serviceable, Legal Savvy negotiates a One-Time Settlement with your lender and represents your side of the file if the account moves to recovery.
Your rightsRecovery agents work under binding RBI conduct rules on calling hours, language, and who they are allowed to contact. Legal Savvy helps you document breaches and take them to the right forum.
