Are You Facing Loan Harassment? You Are Not Alone.
If you are dealing with financial hardship, the stress is immense. But when that stress is compounded by relentless and aggressive calls from recovery agents, it becomes unbearable. Many people facing debt feel trapped, stressed, and even threatened.
At KuberDebt, we understand this is the toughest part of the debt journey. The good news is: Harassment is illegal. You have strong legal rights under RBI guidelines to stop these calls and secure your Debt Relief.
This post breaks down your rights and shows you how to move from daily stress to a permanent, legal Debt Settlement.
Section 1: The Harsh Truth About Recovery Calls
Many banks and NBFCs outsource their collection to third-party recovery agents. While they have a right to collect, they DO NOT have the right to harass, threaten, or intimidate you or your family.
Here are illegal practices you must not tolerate:
Calling at Odd Hours: They cannot call you before 7:00 AM or after 7:00 PM.
Threats or Abusive Language: They must maintain decency and professionalism.
Calling Friends, Family, or Employers: Disclosing your financial situation to third parties is a clear violation of privacy.
Misrepresentation: They cannot pretend to be police officers, court officials, or use official seals to pressure you.
If you are experiencing any of these, you need to take immediate action.
Section 2: Three Immediate Steps to Stop Harassment
Stopping the calls is the first step toward Debt Relief. Here is what you can do today:
1. Know Your Time Boundaries
You must communicate clearly: Inform the recovery agents in writing (email or WhatsApp) that you will only discuss the debt between 10:00 AM and 5:00 PM on weekdays. Any calls outside this time must be reported.
2. Demand Identity Proof
Always demand that the agent provide their full name, the name of their agency, and a valid authorization letter from the bank or NBFC. Do not share any information until they comply. An unauthorized agent has no standing.
3. Maintain a Harassment Log
This is crucial. Keep a detailed log of every objectionable call:
Date and Time of the call.
Agent's Name (if given) and the phone number used.
Nature of the Harassment (e.g., "Called my neighbor," "Used abusive language").
This log becomes your evidence for a formal complaint to the bank and, if needed, the RBI.
Section 3: The Permanent Solution: Debt Settlement
Stopping the calls provides temporary relief, but it does not solve the debt itself. The only way to achieve true financial freedom is through a permanent, legally binding solution: Debt Settlement.
What is Debt Settlement?
Debt Settlement is a strategic negotiation process where an expert lawyer convinces the lender to accept a lower, one-time payment to close your loan account permanently.
KuberDebt's Advantage:
We are specialists in Debt Settlement and Debt Relief. Our expertise ensures:
Guaranteed Stop to Harassment: Once we represent you, all communication is routed through our legal experts, taking the stress off your shoulders immediately.
Maximized Savings: We negotiate the lowest possible settlement amount, often saving you a significant portion of the principal amount and accrued interest.
Legal Closure: We ensure all documentation marks the loan as "Settled" in a manner that best protects your future financial health.
Don't just stop the calls—end the debt cycle.
Start Your Journey to Relief Today
You don't have to fight the bank and recovery agents alone. KuberDebt has helped thousands of individuals and families across India transition from financial hardship to Debt Settlement.
If you are struggling with debt and facing harassment, the time to act is now.
➡️ Reach out to us today for a FREE, confidential consultation with a KuberDebt Expert.
Stop worrying about the calls, and start planning your future.