#Updated 2025

Debt Relief Essential Starter

Learn to handle debt recovery, legal notices, and harassment calls with ease. Get full legal draft templates, complaint tools, and step-by-step support to regain financial peace.

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About Debt Relief Essential Starter Program

This is India’s most practical & legal action-based debt management program. Built for real people facing recovery agent threats, court notices, frozen accounts, and CIBIL damage.

Are You Facing Any of These?

You’re not alone. These are real struggles faced by thousands of NPA defaulters.

1. Constant Harassment Calls
  • Day-night abusive agent calls
  • Calling spouse, parents, or office staff
  • Delhi/Gurgaon call centers using fake names
  • Unauthorised agents knocking at door
  • Calling neighbors to threaten you
  • Visiting your workplace or relatives
  • Fake police/legal threat messages
  • Abusive recovery group messages
  • OTP bombing or link flooding
  • Salary not credited or seized
  • Lien placed on account
  • No ATM, UPI access
  • Received Arbitration / Lok Adalat letters
  • 138 Cheque Bounce Notices
  • Summons from unknown lawyer firms
  • Agents giving handwritten promises
  • Payment made but no closure
  • Settlement letters missing official seal/signature
  • App accessing your phonebook
  • Agents calling your entire contact list
  • Gallery access misused for intimidation
  • Sleepless nights, anxiety attacks
  • Scared of arrest, police, jail
  • Afraid to tell family or ask for help

This Program Solves It All

Designed specifically for people who are scared, confused, and financially stuck.

Here’s What You’ll Get

  • 14 Expert Modules (Video + Action Templates)
  • Legal Case Defender Kit
  • Draft Replies to 13+ Legal Notices
  • Complaint Filing Formats (RBI, Cybercrime, NCH)
  • Field Visit & WhatsApp Defense PDFs
  • 6-Week Email Draft Plan to Bank/NBFC
  • CIBIL Repair After Settlement Strategy
  • Account Unfreeze & Salary Lien Solutions

Tools You’ll Receive

  • PDF reply to recovery threats
  • DOC templates for Arbitration, 138, Lok Adalat
  • WhatsApp & SMS responder kit
  • Complaint formats with portal links
  • Complaint escalation tracker
  • Credit score rebuild planner

Who Should Enroll

  • Credit card, loan, BNPL app defaulters
  • Individuals with total dues under ₹2 lakhs
  • First-time legal notice receivers
  • People being harassed by recovery agents
  • Anyone afraid to speak to banks or file a complaint
  • Students, homemakers, salaried individuals facing frozen salaries
  • Anyone without legal knowledge but needing urgent help

What You Won’t Need

  • No lawyer
  • No agent
  • No knowledge of legal jargon
  • No fear of arrest (we’ll explain what’s actually legal)

Our Curriculum

Module 1: Before We Start
  • Anyone afraid to speak to banks or file a complaint
  • 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
  • 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
  • How to Change Salary Account to Continue Receiving Income
  • Consequences of Leaving Frozen Bank Account Unattended
  • 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
  • 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
  • Explanation of Readymade PDFs (Video)
  • In Case of Field Visit – Send This (PDF)
  • In Case of WhatsApp Harassment – Send This (PDF)
  • 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)
  • Common Questions Recovery Agents Ask and How to Reply Professionally
  • 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
  • Negative CIBIL Impact
  • NOC vs. Closure Statement – What You Actually Get
  • How to Verify if Settlement Offers Are Genuine or Fraud
  • How Recovery Agents Pay from Their Own Pockets at Month-End to Save Targets
  • How to Repair Credit Scores – Experian, CIBIL, Equifax, Highmark
  • Where to Apply for New Loans After Settling Old Ones

Choose Your Own Course Language

Buy Now - English
Buy Now -Hindi
Buy Now - Bengali

Testimonials

Frequently Asked Questions (FAQs)

Can this course stop harassment calls and field visits?
Yes. We give exact formats and complaint links that have already helped thousands stop agent abuse legally.
No. This course explains whether it’s enforceable, and gives draft replies to handle it digitally.

We show how to follow up, file complaints, and verify if the settlement was legal.

Yes. We guide you step-by-step using real bureaus (CIBIL, Experian, Equifax, Highmark).

Yes, but with planning. Module 14 gives you a clear path after score improvement.

No. These are civil cases. We explain exactly how agents scare people and how to shut them down

We teach you how to shift to a new salary account and protect incoming funds.

Yes. Works for all unsecured loans and apps.
Yes. Human support is free forever — no ₹299 charge. You can chat or WhatsApp us directly.
  • Disclaimer

Lawfully Finance is an independent educational platform focused on spreading awareness and providing structured guidance around debt relief, financial literacy, and credit management. All our offerings—including digital content, DIY tools, consultation sessions, and structured programs—are strictly for informational and educational purposes. We aim to empower individuals facing genuine financial challenges through strategic knowledge, standard settlement practices, and banking process insights.

Please note the following:

Lawfully Finance is not a law firm, and we do not offer legal, tax, or accounting advice.

We do not assume your debts, negotiate directly with your creditors, or make any payments on your behalf.

Our content and programs are based on general banking guidelines and may not apply to every individual or financial institution.

Debt relief results vary depending on multiple factors, including your current financial status, timely participation, creditor cooperation, and account types. We do not guarantee any fixed percentage reduction, timeline for resolution, or specific outcomes.

Enrolling in any debt-related program—whether self-managed or through third parties—may impact your credit score, increase collection activity, or lead to legal consequences if dues remain unpaid.

Any decisions made using our content or during our consultations are at your sole discretion. We recommend seeking advice from a certified financial advisor or legal professional before taking any major financial steps.

By using our platform, you acknowledge and agree that Lawfully Finance will not be held liable for any financial or legal disputes arising between users and third-party institutions.

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  • 83 S P Mukherjee Road, 05th Floor Devi Market, Kolkata 700026
  • souvik@lawfullyfinance.in
  • +91-8509298791 (Mon - Sat, 10AM - 7PM)

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©2025 Lawfully Finance , All Rights Reserved.

Website Designed And Developed By EK Mindset

Your Trusted Partner in Debt Relief & Credit Recovery
Lawfully Finance is India’s leading platform for ethical debt management, credit repair, and financial comeback planning. Whether your debt is below ₹2 lakh or spiraling beyond ₹5 lakh with legal notices and CIBIL damage—we’ve got your back.

We offer real expert guidance with a mix of human support and AI-powered automation to bring you the fastest and safest way to escape debt stress.

Choose the Right Program Based on Your Financial Situation

For Debts Under ₹2 Lakh

₹2,000 “Debt Relief Essential Starter” Program

Ideal for early-stage EMI issues, mild credit score dips, or recovery agent harassment.
Includes:

14+ self-paced modules

Legal reply scripts & recovery call responses

Step-by-step guide for negotiation & early settlement

CIBIL check + score repair roadmap

Human + tech-assisted support

Language: Hindi / English / Bengali

For Debts Above ₹2 Lakh or Serious Financial Distress

₹25,000 “Premium 1:1 Debt Settlement & Credit Repair” Program

Designed for people stuck in:

Multiple personal loans or NPAs

Frozen accounts or bounced EMI recalls

Legal notices, court summons, or lawyer threats

Poor CIBIL due to defaults or settlements

Mental pressure, harassment, or emotional burnout

Includes everything in the ₹2,000 plan plus:

Private 1:1 debt audit & DFY plan

All legal replies done-for-you (drafts included)

FD-backed card system for rebuilding CIBIL

Mentor sessions + community support

Group calls, bonus giveaways, tools

Mental health & financial comeback mindset module

Your Step-by-Step Journey to Financial Freedom

Book ₹299 Expert Call — We assess your total debt, credit status & legal exposure

Choose Your Program — ₹2,000 (DIY Support) or ₹25,000 (Premium 1:1 DFY)

Get Instant Access — Tools, templates, dashboard & support system

Handle Calls & Recovery — Use our guides & drafts to legally respond

Negotiate or Settle Smartly — Avoid fraud agents & close on your terms

Repair Credit & Rebuild — From CIBIL to card access to savings discipline

Join Our Community (₹25,000 only) — Get ongoing motivation, sessions, gifts

Become Debt-Free — You’re no longer afraid of the phone, banks, or credit.

Benefits of Living Debt-Free with Lawfully Finance

No More EMI Panic or Missed Calls
Clear Roadmap for Legal + Financial Recovery
No More Harassment or Fake Agents
CIBIL Score Rebuild with Real Progress
Peace of Mind, Focus, and Financial Control
Learn Lifetime Skills to Never Fall Again
Start Earning, Saving & Living Again
Human Support + Smart Tech = Results

Take the First Step Today

Just ₹299 to speak to a real expert.
Find your right path. Escape the stress. Rewrite your story.

Your debt is a phase, not a sentence. Let’s Build Your Comeback.