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Hello sir i am mukesh agrawal. I took a loan from home credit of amount 120000 on may 2017, I was continue paying my emi till august 2018, But dur some financial losses i was unable to pay my EMI , now i got a legel notice and they asked to pay full amount with interest and 100 rs notice charge within 7 days. Sir the address given to them was my relative address as home credit do not serve in my city but i dont live with my relatives now and company sending all the recovery elements even recovery agents to my relative home. Even i talked to them that i will pay my loan in some time and will pay monthly.. please help me what to do. I am very depressed.

A. contact the bank officials to stop sending the recovery team from harassing your relatives. In the meantime contact a local lawyer from DRT from Vidhikarya to reply to their notice. Alternatively you may contact the bank manager to give you some time to repay the loan amount as you're going through a financial loss.
ROBERT D ROZARIO Exp: 15 Year(s) Kolkata
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
Shanti Ranjan Behera Experience: 22 Year(s) Bhubaneswar
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
Dear Sir, I have multiple personal loans from various banks around 4.5 lakhs & credit cards over due around 1.5 lakhs. Due to some financial issues I didn't pay the dues from last 5 months. All EMI'S will be auto debited every month in the first week. Now my salary account went into minus rs.50000/-. I need a stay order & willing to send the legal notice for money lendors. Kindly suggest me the best solution to resolve the issue.

A. Dear Sir, You may get issue a legal notice asking the bank to wait for some more time otherwise ask them to file a civil suit where you will get time by way of installments. For full procedure contact me on mobile through Vidhikarya.
Kishan Dutt Kalaskar Retired Judge Exp: 33 Year(s) Bangalore
Abhimanyu Shandilya Experience: 14 Year(s) Kolkata
Shanti Ranjan Behera Experience: 22 Year(s) Bhubaneswar

Chandra Shekhar

Posted 1 week ago

Dear sir, I am a salaried employee in a private organization. I have multiple personal loan debts from various banks & credit card over dues from last 4 months. My financial position is very bad & I can't clear the dues for a long time. Kindly suggest me about legal notice to get relaxation from recovery agents harassment.

A. Dear Mr. Chandra Sekhar, This is not the right cause to serve Legal Notice. Best option for you would be to meet the Branch Manager of the Bank concerned and ask for additional time and refund the money as per the calculation and well in advance of time. That would really save you from a lot of crisis. Shanti Ranjan Behera Advocate
Shanti Ranjan Behera Exp: 22 Year(s) Bhubaneswar
Abhimanyu Shandilya Experience: 14 Year(s) Kolkata
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
My name is B. Chandra Shekhar. I am a employee in a private organization. I reside at Hyderabad. I have personal loan debts & credit card dues. All loans were issued through my salary statement documets. From last 2 years I am a genuine customer to the various banks & money lenders. Recently from last four months I am unable to pay the EMI's & credit card bills. My income source is salary only. Due to some personal & financial issues that I didn't paid the amount in time & third party agencies are harassing me. Right now I don't have any source to repay the dues. I need an IP. Kindly suggest me what is the procedure to get an IP.

A. Dear Mr Chandra Sekhar, You need to pay the banks and other financial institutions. This is a repetition of the same question answered earlier. Shanti Ranjan Behera Advocate
Shanti Ranjan Behera Exp: 22 Year(s) Bhubaneswar
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
Ambrose Leo Experience: 9 Year(s) Bangalore
Ambrose Leo Experience: 9 Year(s) Bangalore
I had paid INR 9.25L to a builder as Loan / Investor when the work of the building had not started with a condition that alll work will be completed with in 3 years and i will have a option to take my money back or the Flat. I have an Allotment Letter signed by the CO. with delay paymnet clause. Now the Builder is saying that becos of RERA his entire project has delayed by 2 years and doesnt have money to pay, so i need to wait to get my flat after 2 years with around additional 30% costs for Taxes, Duties etc.... I am not intered in taking teh Flat as i had given the money as Loan to him. Can i issue him a Legal Notice under Insolvency Act. I dont want my slef to be treated as Consumer under RERA as this will elongate my case. Please advice

A. Dear Sir, This is a Consumer Case, you can file a Consumer Case against that Builder. Please Consult Advocate along with all the Documents available with you to get clear suggestion and he will suggest you how to proceed with your case or contact me.
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Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
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Bharat Pawar Experience: 9 Year(s) Pune
sistla ramakrishna Experience: 29 Year(s) Vijayawada
Deepak Bade Experience: 9 Year(s) Nanded
Dear sir i have a hdfc credit card , credit limit 35000, i have made 2 years minimum due 3000, but from past 2 months not able to make payments , i need protection legally to avoid recovery team, please tell me what action should I do legally

A. Dear client kindly visit your bank and discuss your problem with authority of bank.i hope they can help you to resolve your issue.
Deepak Bade Exp: 9 Year(s) Nanded
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
Vishwabandhu Chaudhary Experience: 38 Year(s) Jabalpur
Shanti Ranjan Behera Experience: 22 Year(s) Bhubaneswar
Anand Shukla Advocate Experience: 10 Year(s) North East Delhi
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad

Anonymous

Posted 2 months ago

Can you please tell me the process, expenses and requirements for filing personal insolvency.

A. Dear Client, Personal bankruptcy is a legal process which allows you to be discharged from most of your debts. Once filed, the property of the debtor is given to a Licensed Insolvency Trustee who then sells it and distributes the money among the debtor’s creditors in settlement of the debt. Once you are bankrupt, the process is fairly simple. To obtain your discharge you must complete certain duties including: • surrender certain assets and your credit cards; • attend two credit counselling sessions; • provide proof of income and expenses; • make payments including if required surplus income payments; • provide information needed to file necessary tax returns. The best solution for you would be ask Vidhikarya,com to find a good Advocate specialised in Company Law for you who can do the job. Shanti Ranjan Behera, Advocate
Shanti Ranjan Behera Exp: 22 Year(s) Bhubaneswar
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
ARPIT BATRA Experience: 11 Year(s) South Delhi
Deepak Bade Experience: 9 Year(s) Nanded
Hi Sir/Madam, My name is Sriram from Vellore (Tamil Nadu). I got education loan for my engineering degree (2008-12) but could not able to repay entirely. I could not get a job for an year and the job wasn't paying me enough to handle my own expenses. And my mom got cancer and entire money went for that. and I paid 1.25 L and rest am paying month on month (15,000 per month). Am ready to pay 15000 every month but they filed a case against me and asking me to pay 1.5L now but I don't have any jewels or property to sell and pay them. I tried but could not get bulk money. The bank is not accepting my request. If they arrest me, my entire career and life will get spoiled. Kindly provide me suggestions that how can I handle the situation? Thanks in advance, Sriram K

A. Pl take services of a local expert lawyer for the same.
ARPIT BATRA Exp: 11 Year(s) South Delhi
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sistla ramakrishna Experience: 29 Year(s) Vijayawada
Shanti Ranjan Behera Experience: 22 Year(s) Bhubaneswar
Deepak Bade Experience: 9 Year(s) Nanded
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
I am a widow, my husband was a sbi bank Assistant Manager, after retired he borrowed a loan from sbi 420000 in February 2018, and he died in june 3rd 2018, but he gave no money to me or our children, I am not able to pay his loan, What are the rights for me, what should I do, please give an advice, and if I dont pay his loan, then what happend to me, what is banks rights

A. Dear client kindly approach to concerned Bank and ask about all details and try to find out settlement and further process with discussion of bank or credit manager.go through experienced advocate
Deepak Bade Exp: 9 Year(s) Nanded
sistla ramakrishna Experience: 29 Year(s) Vijayawada
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Nirmal Chopra Experience: 20 Year(s) New Delhi
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Anonymous

Posted 3 months ago

Respected sir/mam, I was asked to submit my original certificates as a collateral for my job for bond period of 4 years. If I was supposed to break it I have to pay a sum of rs 1 lakh. All I want to know is will this type of bonding is valid in india or not? Note: no special training or valuable training provided by company

A. Dear client employment bonds are not valid.kindly go through experienced lawyer for defence
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