23,000+borrowers helped across India
Calls after 7 pm, threats, calls to your family? RBI rules forbid all of it. We document every breach and take it to your lender and the RBI Ombudsman.
23,000+
borrowers helped
Legal experts
not recovery agents
RBI rules
Fair Practices Code
In writing
every offer on record
Constant calls
Calls to family and employer
Threats and shaming
Visits to home or office
Stress and anxiety
The loan stays unresolved
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.
Tell us what is happening. We check the calls, messages and visits against RBI rules for recovery agents.
We help you log call times, numbers, recordings and screenshots so every breach is documented.
A formal complaint goes to the lender's grievance officer, naming the breaches and the rules they break.
If the lender does not resolve it within 30 days, we take it to the RBI Ombudsman and other forums.
Once the pressure stops, we can negotiate a written settlement of the underlying loan.
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: Loan recovery agent harassment is recovery conduct that breaks RBI rules: calling before 8 am or after 7 pm, threats, abusive language, contacting your family or employer to shame you, or visiting without authorisation. You still owe the loan, but the lender is responsible for how its agents behave.
A lender is entitled to recover money it is owed. It is not entitled to threaten you, call you at night, or contact your relatives, employer, or neighbours about your debt. The RBI Fair Practices Code sets out what recovery agents may and may not do, including restricting calls to between 8 a.m. and 7 p.m. and prohibiting intimidation or the use of abusive language. Conduct that crosses into threats, criminal intimidation, or public humiliation may also attract provisions of the Bharatiya Nyaya Sanhita, which replaced the Indian Penal Code.
Legal Savvy helps you record what is happening, put the lender on formal written notice, and escalate to the Banking Ombudsman where the lender own grievance process does not resolve it. What we can do is enforce the process and document the breach. No one can promise a particular outcome, and we do not.
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.
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
What are the RBI guidelines for loan recovery agents?
Can recovery agents visit my home?
How do I file a loan harassment complaint?
Can recovery agents call my family or employer?
Do I still have to repay the loan if agents harass me?
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.
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.
