“My son stopped asking for things. He thought we were poor.”
In 2022, I lost my job in a mass layoff. I thought I’d get back on my feet soon—but months passed. We survived on savings, then credit cards. Every month, I told myself, “Bas is baar kaat lo, next month I’ll clear it.”
Soon, the interest was more than the actual expenses. EMI after EMI, I started borrowing just to repay. My son, who once excitedly asked for ice cream, stopped asking. He had silently accepted that “Papa ke paas paise nahi hain.”
One night, I broke down after a recovery agent shouted abuses in front of my building. That’s when a friend told me about Lawfully Finance. I booked a consultation with shaking hands. To my surprise, there was no judgment—just clarity, support, and a step-by-step plan.
Today, I’ve legally settled 80% of my loans. I’m rebuilding my credit score, and slowly, my dignity. My son now runs to me with every small joy again. That’s more than freedom—it’s healing.
“My husband had no idea I was drowning in debt.”
I’m a homemaker, but I always wanted to contribute. So during COVID, I started a small online clothing business. It picked up, but I didn’t realize how quickly expenses grow. Couriers, returns, restocking—I kept swiping credit cards.
I was too embarrassed to tell my husband. By the time he found out, I had ₹3.8 lakhs in dues across 3 cards and 1 personal loan. I couldn’t sleep. We had fights. I stopped eating properly.
One day, I googled “how to handle credit card harassment legally” and found Lawfully Finance. I filled out the form in tears. They didn’t just explain my rights, they helped us build a repayment plan, talk to the bank, and even stop agent threats.
It’s been a year now. My business is paused, but my peace is back. My marriage is stronger, and I know now—I was never “just a housewife.”
“I was scared my CIBIL score would end my future.”
At 24, I was working at a startup with big dreams. I got my first credit card and felt unstoppable. I bought gadgets, paid for trips, helped friends with loans—until one month, I couldn’t pay the full bill.
That started a domino. Soon, I had two credit cards maxed out and a personal loan. I started missing payments. My credit score dropped below 600. And with that, my dream of taking a home loan one day started to feel impossible.
Then I found Lawfully Finance on Instagram. Their content didn’t just sell—they educated. I joined their credit score repair program. In 6 months, we disputed wrong entries, settled one account legally, and started building my score through smart strategies.
Today, my score is 730+. I’m not just debt-free—I’m credit-worthy. And I know now, being young isn’t an excuse to stay financially blind.
“My father was ashamed to ask for help. I wasn’t.”
My father is a retired teacher. He took loans for my education, sister’s marriage, and his medical bills. After retirement, he couldn’t manage the EMIs. Calls started. Threats. He used to cry silently at night, thinking no one knew.
When I finally found out, I was shocked. He had ₹6 lakh outstanding. I searched for solutions and found Lawfully Finance. I made him sit with me for one video call. That one call changed everything.
Their team explained every right he had, helped with legal drafts, stopped agent calls, and structured repayments. Within 18 months, he was free.
Now, my father says, “Beta, mujhe lagta hai main phir se jee raha hoon.” For me, that’s everything.
“Everyone said don’t go legal. But that was the best decision I made.”
In 2023, I had 7 loans. Salary was good, but mismanagement and helping relatives had drained me. When I stopped repaying, banks started calling non-stop. One even reached my HR.
Everyone told me, “Don’t involve legal, it’ll ruin your job.” But what was ruining my job was the stress, the shame, the lies.
I finally reached out to Lawfully Finance. They gave me legal tools, not just advice. RTIs, RBI complaint formats, settlement letters—everything. I felt in control for the first time.
Now, I’m respected again at work. I’m not hiding my phone. I’ve even started guiding others around me.
Going legal wasn’t a risk—it was relief.
