Guidance Across Unsecured Personal Loans
We explain repayment and restructuring options for bank, P2P and NBFC loans. Outcomes depend on your case and lender approval.
Loan Payment Difficulties
If you are facing problems repaying a loan, our experts will assess your situation and help find a workable solution.
Why Choose Expert Advise for Loan Payment Difficulties?
RBI-Aware Explanations
We help you understand how RBI guidelines and banking processes apply to your situation, without promising a particular result.
Multi-Lender Support
We help you prepare for conversations with banks, NBFCs and digital lenders about overdue personal loans.
Clear Service Terms
We explain fees and service terms before you enrol. Any repayment agreement remains subject to lender approval.
Personal Loan Problems We Help With
Problem
Job Loss or Income Reduction
Our Solution
We help you discuss a temporary pause, reduced EMI or revised repayment plan with your lender based on your current income. Approval is not guaranteed.
Problem
Multiple Personal Loan Debts
Our Solution
We help you prioritise unsecured loans and prepare a more manageable repayment sequence to discuss with lenders.
Problem
Excessive Interest and Penalties
Our Solution
We explain how charges accrue and help you ask your lender to consider a waiver or reduction. Any change needs lender approval.
Problem
Aggressive Collection Tactics
Our Solution
We offer guidance on responding to collection contact and discuss call forwarding for eligible recovery calls. We cannot guarantee that harassment will stop.
Problem
Threat of Legal Action
Our Solution
We help you understand notices and the usual next steps. We do not promise to prevent legal action.
Problem
Unable to Complete Payment
Our Solution
We explain repayment and restructuring options so you can decide what to request from your lender.
Dispute resolution road map
1 Check Eligibility
1
Check Eligibility
Discuss your loan issues with our team
Eligibility Review
- Tell us about your repayment problem
- We assess whether our services can help
- Receive clear next steps
Strictly confidential
2 Enrol with Us
2
Enrol with Us
Understand the process before you proceed
Service Agreement
- We explain how the service works
- All important points are documented
- You sign an agreement
Personalised attention
3 Communicate with Lenders
3
Communicate with Lenders
Our team represents your case
Lender Communication
- We communicate with lenders
- We discuss options on your behalf
- We work toward the best possible outcome
Confidential strategy
4 Manage the Problem
4
Manage the Problem
Work toward a sustainable next step
Repayment Plan
- Review the lender proposal
- Complete agreed formalities
- Close the repayment problem
Privacy assured
Check whether we can help
Share your situation through the secure assessment form.
Connect with Our Experts NowThere is no obligation to proceed after the initial assessment.
What our customers say
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The team has helped me manage my cards and loans. They are responsive and supportive, and I have already completed one settlement while working toward the remaining ones.
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Their advice and services are helpful when facing financial hardship or harassment over credit cards and personal loans. The team has been professional, available, and effective.
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I am grateful to the team for their support in resolving my loan issues. Their negotiations led to a full and final loan clearance and shielded me from relentless recovery-agent harassment.
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I am deeply grateful to the legal team for their help in negotiating with Axis Bank. Their consistent follow-ups and expert advice resolved my loan issue and protected me from recovery-agent harassment.
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My special thanks to the team for helping me negotiate with HDFC and for the regular follow-ups. They found a solution to my loan problem and helped me get out of debt within the committed timeline.
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I was struggling with multiple loan EMIs and credit card payments. Expert Advise helped me consolidate everything and discuss better terms with all my lenders. The process was smooth and transparent. Thank you for giving me peace of mind!
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I have started using Expert Advise services. I am satisfied with them. They listen to our problems patiently and guide us whenever required. And their core team of experts and financial advisors is supportive and helpful. Their guidance will help manage all the loan and credit card payment issues.
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When you are in financial distress and pain, it is difficult to think clearly and make good decisions. During my uncertain time, I have always received great advice from the Expert Advise team. Everyone I've interacted with has been really helpful and has understood my situation, always providing the best solution and constant support.
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My special thanks to Expert Advise for helping me discuss with the lenders. Kudos for the regular follow-up, managing my loan, and helping me come out of loan dues within a structured timeline. Thank you, Expert Advise Team.
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I have been taking Expert Advise's services since April. As a first-time defaulter, I was too scared to face all the banks and did not know how to talk to them and handle the situation gracefully, but they have been very helpful. Very supportive and proactive. They handled all situations with ease when I sometimes lose my cool. One of my cards was managed very recently with all their help. So, Thank you Expert Advise.
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Hi Expert Advise team, your support has been fabulous! I have been through very difficult times post COVID to continue paying back my loans and cards. Due to job issues and the pandemic, I really lost my way to pay back my EMIs. With Expert Advise being so patient with me, I am able to handle the situation and my emotional state as well. I can always recommend services from Expert Advise.
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Thank you for solving my loan default problem. I can't imagine how I would have solved it on my own. Working with you was a great relief!
Frequently Asked Questions
Common questions about our loan-resolution and anti-harassment services.
We provide guidance on unsecured bank, NBFC, digital-app, P2P and consumer durable loans. We do not handle secured loans such as home or car loans.
Yes. We can review options after a default. Reaching out earlier usually leaves more options to discuss, but no outcome is guaranteed.
Some lenders may consider a reduced or restructured amount. Any reduction depends on your case and lender approval; we do not guarantee a reduction.
Default may already have affected your score. Later reporting depends on the lender and credit bureaus. We explain those implications but cannot change bureau records ourselves.
Fees and service terms are explained in your agreement before you enrol. Payments due to lenders go directly to the lender.