Karthik, a 32-year-old freelance graphic designer from Coimbatore, Tamil Nadu, had been doing well until a medical emergency drained his savings. To cover his mother’s surgery and post-care, he took multiple loans—two personal loans and one credit card with a ₹2.3 lakh balance.
Initially, he managed the EMIs. But as freelance work became inconsistent during the post-pandemic slowdown, he started missing payments. By the 4th month of default, recovery agents were calling 10–12 times a day. The emotional stress affected both his mental health and client work.
Recovery agents even started contacting his old college friends and extended family. Karthik, who had never imagined being labelled a defaulter, felt trapped and humiliated.
Turning Point:
One night, while browsing YouTube, he came across a video from Lawfully Finance explaining legal ways to stop harassment and manage NPAs. Skeptical but desperate, he booked a ₹299 consultation call.
To his surprise, the advisor calmly listened, explained the RBI guidelines, and mapped out a step-by-step plan to pause harassment and explore legal settlement.
Within 3 weeks:
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Legal notices were replied to with powerful templates.
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Harassment stopped with Lawfully’s call intervention.
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Two accounts were negotiated down and settled with 38% and 45% discounts.
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His credit score recovery roadmap was also activated.
Results after 3 months:
✅ Total outstanding brought down from ₹2.3 lakhs to ₹1.28 lakhs
✅ Harassment completely stopped
✅ Credit improvement began with FD-based secured credit card
✅ He even referred 4 more friends in distress to Lawfully Finance
“I felt powerless until Lawfully empowered me with knowledge and strategy. They don’t just settle your loans, they settle your fear.” – Karthik, Coimbatore
