When a bank classifies your loan as an NPA and issues a SARFAESI notice, the clock starts immediately. We challenge possession and auction before the Debts Recovery Tribunal at Hyderabad, defend recovery proceedings, and negotiate one-time settlements — acting for borrowers and financial institutions alike.
In simple terms: we handle legal fights about loans — banks recovering from defaulters, borrowers defending their property from seizure, and businesses recovering bounced cheques.
What DRT & SARFAESI work covers
SARFAESI Matters — Cases where a bank seizes mortgaged property over a loan default — acting for banks enforcing or borrowers challenging.
DRT Proceedings — Loan recovery cases before the Debts Recovery Tribunal, for lenders and borrowers.
Recovery Proceedings — End-to-end legal recovery of secured and unsecured debts through every available forum.
Loan Documentation — Drafting and vetting loan, security and guarantee documents so they hold up when tested.
Security Enforcement — Enforcing mortgages, pledges and guarantees when a borrower defaults.
Debt Restructuring — Negotiating revised repayment terms, settlements and one-time settlements with lenders.
Recovery Suits — Civil suits to recover business and personal dues with interest.
Cheque Bounce Cases — Criminal prosecution under Section 138 NI Act when a cheque issued to you is dishonoured — and defence when accused.
Corporate Debt Recovery — Recovering large trade and inter-corporate dues through demand, negotiation and litigation.
MSME Recovery Claims — Fast-track statutory recovery for MSME suppliers under the MSMED Act.
Frequently asked questions
Can I stop a bank from taking my property under SARFAESI?
Yes, in defined circumstances. SARFAESI action can be challenged before the DRT under Section 17 — for procedural violations, wrong classification as NPA, or disputes on the amount claimed. Timelines are short, so act on the first notice.
What happens in a cheque bounce case?
A demand notice must be sent within 30 days of the cheque being dishonoured. If payment is not made within 15 days of receiving the notice, a criminal complaint under Section 138 NI Act can be filed — punishable with up to two years imprisonment or twice the cheque amount as fine.