Drowning in EMIs? There is a structured way out.
A free, confidential assessment of your full debt picture - then a personal plan built from the honest options: balance transfer, consolidation, restructuring, and only as a last resort, settlement.
Start your free assessment
1. Your total unsecured debt (loans + cards)
2. Where do things stand?
3. Net monthly income (Rs)
4. Where should we send your plan?
🔒 Confidential · No impact on CIBIL · No judgement
How the program works
1. Full picture
Your advisor maps every loan and card - lender, outstanding, rate, EMI - and computes your real burden the way a credit team would.
2. Your plan, ranked honestly
Balance transfer and consolidation first (clean CIBIL, lower outgo), restructuring next, settlement only if truly warranted - with its credit impact explained plainly before any decision.
3. We execute
Paperwork, lender coordination, payoffs to old accounts, and follow-through until your credit report reflects every closure correctly.
Program FAQs
What does the program cost?
The assessment and plan are free. If we arrange a consolidation or balance-transfer loan, the lender pays us. Only structured negotiation mandates, if you choose one, carry a disclosed fee agreed in writing first.
Will this hurt my CIBIL score?
Consolidation and balance transfer are normal credit events and often improve your score. Settlement does damage it for years - which is exactly why we treat it as the last resort and tell you so upfront.
I am getting collection calls. Can you help?
Yes - start the assessment today. Knowing your rights and getting a structured plan in motion is the fastest way to bring the pressure down legitimately.
How fast does this work?
Your plan is ready within a day of sharing your loan list. Consolidation disbursals typically land in 3-7 working days; restructuring timelines depend on your existing lender.