Location: Indore, Madhya Pradesh
Client Profile: Mr. Akash Mehta, 29 years old, Former IT Executive
Debt Amount: ₹9,00,000 (3 Personal Loans + 2 Credit Cards)
Relief Type: Legal Freeze + Negotiated Settlements
Resolved In: 52 Days
💥 The Fall
Akash was working in an MNC and earning well. He had taken a few loans during COVID to support his parents’ hospital bills, home renovation, and to manage some EMI-based electronics.
But in January 2024, he was suddenly laid off due to downsizing.
With no income and EMIs running, Akash skipped payments for 3 months, and within no time:
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His credit score dropped below 580
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Banks began sending demand notices
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Recovery agents started calling his HR and relatives
“It was like drowning slowly. I felt ashamed to even step out of the house.” – Akash Mehta
🛡️ Lawfully Finance Enters
When Akash discovered Lawfully Finance through an Instagram reel, he booked a ₹299 legal consultation.
Our advisors assured him:
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No bank can blacklist or threaten arrest.
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Harassment through social media, HR or relatives is illegal.
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Legal protection and negotiation are 100% possible even if income is zero.
🛠️ Step-by-Step Help We Gave:
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Account freeze protection letter was sent to stop unfair debits.
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Legal representation drafts were filed for 3 lenders to halt harassment.
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Akash was helped to apply for Lok Adalat negotiation window.
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A phased plan was created using his PF withdrawal + freelance income.
💡 Outcome After 52 Days
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Total Outstanding: ₹9,00,000
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Negotiated Final Settlement: ₹3,80,000
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Waiver: ₹5,20,000
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Payment done in 4 EMIs, interest-free.
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Legal documentation preserved and credit repair now in progress.
“They didn’t just settle my loan. They settled my anxiety too. I’m now freelancing full-time with peace in mind.” – Akash
📌 Lessons from Akash’s Case:
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Job loss is not a crime. Loan is not a life sentence.
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You don’t need income to start the legal process.
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Early action brings faster settlement and peace.
📈 Current Status:
✔ Loans Closed | ✔ Legal Docs Stored | ✔ Credit Score Rising | ✔ No Calls
🎯 If you’re under financial pressure, don’t wait to collapse.
📞 Start with just a ₹299 legal session at Lawfully Finance.
