🧾 Case Study 1: Ramesh Verma – From Threatening Calls to a Peaceful Life
📍 Name: Ramesh Verma
📍 Age/Gender: 38, Male
📍 Location: Kanpur, Uttar Pradesh
📍 Profession: Small Business Owner (Mobile Repair Shop)
💢 The Debt Problem:
Ramesh had taken 3 different personal loans over 2 years totaling around ₹6.5 lakhs — trying to keep his small shop afloat during and after the pandemic. But business slowed down drastically.
He missed several EMIs, and soon the recovery agents from two NBFCs and one private bank started calling him repeatedly, even visiting his shop, threatening to seize assets and file legal cases.
He started staying home, avoided friends and relatives, and even considered shutting down his business permanently.
🧭 Turning Point – Discovering Lawfully Finance:
In a moment of desperation, while watching YouTube at 2 AM, he saw a video ad from Lawfully Finance.
He booked a ₹299 consultation, and within a day, he joined the Debt Relief Essential Starter program.
Within just 3 weeks, the team:
-
Handled the harassment legally
-
Sent stop-contact legal notices
-
Started negotiation with the lenders
✅ Outcome – Debt Settled, Peace Restored:
After 2 months, Ramesh’s debt of ₹6.5 lakhs was safely settled at ₹2.8 lakhs in structured EMIs.
No more calls. No threats. No visits. His shop is running again. He’s mentally at peace and tells everyone:
“Main almost haar gaya tha, par Lawfully Finance ne mujhe jeetna sikhaya.”
(I had almost given up, but Lawfully Finance taught me how to win.)
🔖 Key Learnings for Readers:
-
Legal options exist, don’t panic.
-
Negotiation is always possible—even with banks.
-
Harassment is illegal; know your rights.
