đź“Ť Name: Rohit Kulkarni
đź“ŤAge/Gender: 33, Male
đź“Ť Location: Pune, Maharashtra
đź“Ť Profession: Mid-level IT Professional (Remote)
💥 It Happened Overnight…
Rohit was just an average salaried guy managing his EMIs, expenses, and a little mutual fund SIP — until a sudden job layoff during a company merger put everything on pause.
He defaulted on two EMIs (₹1.5 lakh pending), thinking he’d sort it out within the month.
But one morning, his bank account was frozen without any warning.
He got a call from the bank’s legal team saying a Section 138 cheque bounce complaint and loan default notice had been filed — and the freeze would stay until dues were cleared or legally challenged.
“I felt like a criminal for missing two EMIs… I had just ₹1,200 left and zero access to my money.”
🔍 Discovery & Action
He searched for “bank account freeze help” and came across a blog by Lawfully Finance.
Within an hour, he:
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Took the â‚ą299 consult
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Joined the Essential Starter Program the same day
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Shared documents + bank emails with the legal team
The Lawfully Finance team filed an urgent complaint to the Banking Ombudsman, followed by a formal account unfreeze petition with supporting legal notices.
They also began settlement talks with the bank, advising Rohit not to panic and not to respond to aggressive calls.
✅ Outcome – Freeze Removed, EMI Settled
Within 9 working days, the freeze was legally lifted.
In 5 weeks, the â‚ą1.5 lakh due was negotiated and settled at just â‚ą68,000 through a one-time closure, with a No Dues Certificate issued.
Rohit is now back in a new job and says:
“Mujhe laga main jail chala jaunga. Par Lawfully ne mujhe samjhaaya, sambhaala, aur nikaala.”
(I thought I was going to jail. But Lawfully guided, supported, and rescued me.)
đź“Ś Real Takeaways:
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Banks cannot freeze your account permanently without due legal process.
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Legal aid is faster, safer, and much cheaper than you think.
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Don’t ignore legal notices — respond smartly, not emotionally.
đź”— Settled Safely with Lawfully Finance.
