23,000+borrowers helped across India
Card dues growing with late fees, interest and GST? We negotiate a written settlement with your card issuer and make sure the account is closed properly.
23,000+
borrowers helped
Legal experts
not recovery agents
RBI rules
Fair Practices Code
In writing
every offer on record
Minimum due missed
Late fees, interest and GST
Card blocked
CIBIL score drops
Recovery calls begin
Legal notice arrives
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: Credit card settlement is an agreement in which your card issuer accepts a one-time payment lower than your total outstanding to close the card account. It usually applies once a card has been overdue for several months, and the account is then reported to credit bureaus as 'settled'.
Credit card debt behaves differently from a loan account. Interest is charged monthly on the revolving balance, late payment fees stack on top, and the minimum-due trap means a balance can keep growing even while you pay something every month. Card issuers also outsource collection earlier than most lenders do.
Legal Savvy reviews your statements to separate principal from accumulated interest and charges, then negotiates a settlement figure with the issuer. We ask for the settlement terms and the closure position in writing before you transfer anything, and if the issuer will not engage reasonably, the matter can be escalated to the Banking Ombudsman under the RBI grievance framework.
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
Should I use a credit card settlement company in India?
What is the credit card settlement process in India?
Can late payment charges be waived in a credit card settlement?
Do HDFC, SBI and ICICI credit cards allow settlement?
What happens if I only pay the minimum due on my credit card?
Is credit card settlement better than paying in full?
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.
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.
Digital lendingNot every lending app operates within the RBI digital lending rules. Legal Savvy checks who actually holds your loan, then negotiates a settlement with the regulated entity behind the app.
