Advanced Debt Management & Credit Score Repair Program
Legally Eliminate Harassment, Win Against Recovery Agents, Fix Your Credit, and Rebuild Your Life with Our Done-for-You Personal Mentorship System.
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About Advanced Debt Management & Credit Score Repair Program
This is India’s most powerful high-level debt resolution program designed for serious defaulters — combining legal strategy, real guidance, emotional healing, and earning skills into one complete transformation journey.
Are You Facing Any of These?
You’re not alone. These are real struggles faced by thousands of NPA defaulters.
- Unpaid loan or credit card dues over ₹2,00,000
- Repeated legal notices: Arbitration, Lok Adalat, 138
- Field recovery agents visiting home or work
- Salary account frozen, or lien marked
- Settlement fraud or no NOC after partial payment
- Threats of court summons, arrest, or police action
- Mental health suffering, anxiety, or fear
- Helplessness due to no legal or financial support
- Rejected for jobs or loans due to poor CIBIL
Program Benefits :-
DFY Premium 1:1 Guaranteed Program
1. Personal Debt Strategy Plan
- We analyse your case
- Build a 90-day turnaround roadmap
- Identify frauds, errors, and correct your history
2. DFY Legal Templates for All Scenarios
- Court notice replies (138, Arbitration, Civil)
- Salary lien & account freeze resolution
- Field visit reply PDFs
- Complaint drafts for RBI, Cybercrime, NCH
3. Private Mentorship & Call Support
- Dedicated support executive assigned
- Daily WhatsApp + email help
- Monthly 1:1 progress checks
4. Credit Score Repair Path
- FD card method, enquiry removal, bureau correction
- Apply for fresh secured credit after 6 months
- Full video training + plan included
5. Earning Recovery Skills
- Digital product business blueprint
- Freelancing + remote job platforms
- Pay-after-placement job resources
Personality & communication training
6. Mental Peace Recovery Sessions
- Anxiety management training
- Journaling & self-recovery routines
- Live motivation & mindset videos
7. Private Community Access
- Telegram & WhatsApp peer group
- Access to weekly updates, tips, discussions
8. Bonuses
- Free T-shirt
- Printable workbook
- Debt management e-book
- Certificate of completion with your name
Why Choose This Program
- No need to beg lawyers for ₹5,000 drafts
- No fear of going to court or jail
- No guessing — get proven system + personal mentor
- No confusion about credit repair
- No delay — get lifetime support from day one
Enroll Now — Legal Power & Credit Repair in One Place
Our Curriculum
Module 1: Before We Start
- Anyone afraid to speak to banks or file a complaint
Module 2: Recovery Process Explained
- Harassment Calls and Solutions to Stop Them
- Field Visits and Solutions to Stop Them
- WhatsApp Message Spam and Solutions
- SMS OTP Bombers and How to Prevent Them
- Contact List Theft by Agents – Prevention & Legal Action
- Gallery Access Leak – Solutions & Protection
Module 3: Legal Notices and Their Meanings
- Demand Notice
- Recall Notice
- Dunning Letter
- Arbitration Proceedings Notice
- Arbitration Award
- Pre-Litigation Notice
- Lok Adalat Notice
- Summons for Court Appearance
- Section 138 Cheque Bounce Notice
- Fraud/Wilful Defaulter Declaration Notice
- Civil Suit File Notice
- Delayed Payment Reminder
- How to Check if Legal Notice is Fake or Real
Module 4: Bank Account Freeze / Salary Lien Issues
- How to Change Salary Account to Continue Receiving Income
- Consequences of Leaving Frozen Bank Account Unattended
Module 5: Filing Complaints Against Recovery Agents
- How to File Complaints with Bank PNO, RNO & Customer Support
- National Consumer Helpline
- Cyber Crime Complaint Process
- Filing an FIR
- RBI Ombudsman Procedure
- Using Twitter (X) & Social Media for Action
- Complaint to Collection Agency Assigned
Module 6: Legal Case Defender Templates (Ready-to-Use Drafts)
- How to Use and Edit Drafts Before Sending (Video)
- Bank Draft Emails – 6 Week Email Response Program (PDFs)
- Demand Notice Reply
- Recall Notice Reply
- Dunning Letter Reply
- Arbitration Appointment Notice Reply
- Arbitration Proceedings Notice Reply
- Arbitration Award Reply
- Pre-Litigation Notice Reply
- Lok Adalat Notice Reply
- Court Summons Reply
- Section 138 Cheque Bounce Notice Reply
- Duplicate Summons Reply
- Duplicate 138 Case Reply
- Fraud/Wilful Defaulter Case Reply
Module 7: Advanced Protection From Field Agents and WhatsApp Threats
- Explanation of Readymade PDFs (Video)
- In Case of Field Visit – Send This (PDF)
- In Case of WhatsApp Harassment – Send This (PDF)
Module 8: Understanding Banking Timeframes
- What Happens After 91 Days – Becoming an NPA
- Write-off Timeline – 6 to 12 Months
- DPD (Days Past Due) Meaning and Impact
- Bucket System in Banking
- Asset Sales to Recovery Companies (ARC)
Module 9: Recovery Agent FAQs and Best Answers
- Common Questions Recovery Agents Ask and How to Reply Professionally
Module 10: Insider Codes Used by Recovery Agents
- RTP – Refuse to Pay
- PTP – Promise to Pay
- BPTP – Broken Promise to Pay
- ANF – Address Not Found
- CX – Customer Code
- DRA Certification – Meaning and Legal Validity
- Authorisation and Visiting Letter Secrets
Module 11: Consequences of Loan Settlement
- Negative CIBIL Impact
- NOC vs. Closure Statement – What You Actually Get
Module 12: Identifying Fake Settlement Letters
- How to Verify if Settlement Offers Are Genuine or Fraud
Module 13: Private Initial Funding by Agents (Insider Truth)
- How Recovery Agents Pay from Their Own Pockets at Month-End to Save Targets
Module 14: Post-Settlement Action Plan
- How to Repair Credit Scores – Experian, CIBIL, Equifax, Highmark
- Where to Apply for New Loans After Settling Old Ones
Module 15: Other Options Than Settlement
- Loan Restructuring
- Debt Consolidation
- When to Choose Which Option (with examples)
Module 16: CIBIL Repair Program (Advanced Techniques)
- Get FD-based Credit Cards
- Credit Builder Loans
- Gold Loans / Mutual Fund Loans
- Remove Hard Enquiries from Credit Bureaus
Module 17: Importance of Insurance in Debt Management
- How Life, Health & Term Insurance Protect Your Family
- When and Why to Take It
Module 18: Email Automation Setup for Banks
- Automate Replies to Collection Agencies & Banks
- Save Time and Reduce Stress
Module 19: Private Community Access
- WhatsApp Group
- Telegram Channel
- Additional Private Communities
Module 20: Mental Health & Wellbeing Sessions
- Stress Management
- Peace, Healing & Personal Development Courses
Module 21: Entrepreneurship & Online Earning Skills
- Digital Product Selling Business Model
- Meta Ads / Google Ads Agency Career
- Influencer / YouTuber Career Planning
- Enroll in Pay After Placement Programs
- Communication & Personality Development
Module 22: Personal Mentorship & Support
- Personal Support Contact Number
- Access to Lawfully Finance AI-Powered Support Bot
- DFY Support as Promised
Module 23: Monthly Group Discussion Sessions
- Progress Review
- Motivation & Success Planning
Module 24: Free Bonuses & Merchandise
- Free Lawfully Finance T-shirt / Ebook / Paperback
- Claim Process Guide
Module 25: Feedback & Growth Support
- Submit Feedback Video
- Review on Google My Business
- Earn Loyalty Rewards
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Testimonials
Frequently Asked Questions (FAQs)
Can I speak to a real person before joining?
Yes. Book a ₹299 consultation call — refundable if you enroll.
I’ve already received legal notices. Can you help me reply?
Absolutely. Our templates + personal guide will review and prepare replies for your case.
I paid but didn’t get any NOC. Will this help?
Yes. We’ll show you how to verify, chase, and escalate settlement fraud.
My salary is stuck. How to change account legally?
We give you a full guide + template + new account strategy
Can I really improve my credit score?
Yes. You’ll get a full repair plan, bureau methods, and follow-up tricks
I don’t understand legal language. Will I manage this?
Yes. The entire program is in simple Hindi-English-Bengali format.
Will you help me earn again?
Yes. You’ll learn freelancing, YouTube, digital products, and job recovery models.
Is this really lifetime access?
Yes. One-time payment. Lifetime updates. No hidden charges.
Enroll Now — Legal Power & Credit Repair in One Place