Frequently Asked Questions

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 Debtfre.com is a legal debt resolution platform that helps individuals in India settle unsecured debts like personal loans, credit card dues, or business loans by negotiating with banks and NBFCs through lawful and stress-free processes. 

We assist with:

• Credit Card Outstanding
   
• Personal Loan Overdues
   
• Business Loan Defaults
   
• Medical/Consumer Loan EMIs
   
• Loan settlement due to job loss or income drop

 Yes, we only follow 100% legal and RBI-compliant debt resolution practices. Our lawyers negotiate directly with lenders to get you the best possible settlement without harassment. 

 Yes. Once you sign up, our legal team starts communication with the lender. You can legally direct recovery agents to route all communication through us. 

 Yes. Once you sign up, our legal team starts communication with the lender. You can legally direct recovery agents to route all communication through us. 

1. Sign Up / Call Our No/Write to us support@debtfree.com
    
2. Our team reviews your documents and contacts you
    
3. A lawyer is assigned to your case
    
4. We negotiate with banks/NBFCs for a reduced settlement
    
5. You pay the final settled amount — and you’re debt-free!

 Settlement usually reflects as “settled” or “closed” in your credit report. While it may lower your CIBIL score initially, it removes the overdue status and lets you rebuild your credit in the long term. 

  Yes, your privacy is our top priority. All information is encrypted, and we do not share your data with third parties without consent. 

 We offer a free initial consultation. After assessing your case, we charge a transparent, one-time legal service fee, only if you wish to proceed. 

   Absolutely. We specialize in multi-loan settlements and will create a consolidated resolution plan to handle all your outstanding EMIs. 

   Absolutely we are committed to assisting clients nationwide. We offer comprehensive consultations across more than 200 cities in India, both on call and through in-person meetings in New Delhi. Furthermore, our legal services extend across the country, with the flexibility for arbitration to happen anywhere, ensuring that geographic location is not a barrier to accessing the best possible debt solutions and legal support for your financial peace of mind.  

There is no specific, fixed time duration to become debt free with Debtfre because every client’s financial situation is unique. The timeline for achieving a debt free status depends entirely on several factors, including:

• Your total outstanding debt
• Your current income and financial capacity
• The terms and conditions of your various lenders
• Your commitment to the tailored Debt Analysis we create for you.

Our approach is highly personalized. We work closely with you to understand your specific circumstances and design a structured repayment plan that is affordable and sustainable for you. While we aim to help you see significant progress as efficiently as possible, the journey to becoming debt free is customized to your individual structure and financial goals.

Debtfre stands apart due to our client’s trust, satisfaction, our  holistic and robust approach to debt management and the unique advantages offered to our clients:

• Proven Track Record: With 25+ years of Legal expertise and having earned the trust of over 25,000++ Indians, our success is built on a foundation of results and client satisfaction . 
• Comprehensive Legal Protection (In-House Advocates): Unlike many others, we don’t just reduce EMIs; we provide genuine relief from creditor harassment through legal protection.
• Expert Creditor Negotiations: Our legal team and experienced negotiators don’t just offer standard plans; they conduct skilled and strategic negotiations with lenders on your behalf.
• Credit Score Improvement: Our focus extends beyond immediate relief. We actively work with you to understand and rebuild your credit score, ensuring your long-term financial health and opening doors to future financial opportunities.

 Absolutely. We understand how overwhelming it can be to manage multiple loans. At Debtfre, our primary goal is to bring you immediate relief and a clear path forward. We work closely with you to analyze all your existing loans, your income, and your expenses. From this, we craft a personalized Debt Analysis designed to make your monthly payments manageable and reduce your financial stress. This structured approach helps you regain control and works towards a debt free future. Many clients experience a significant reduction in financial anxiety very quickly once they start with their customized plan. 

 We understand how distressing constant creditor calls can be. As soon as you engage with Debtfre, our team will initiate contact with your creditors. We proactively send official notices, informing them that you are now under a professional debt management program with us. This structured approach, adhering to RBI guidelines, aims to streamline communication and significantly reduce or redirect creditor contact to us, allowing you to regain your peace of mind while we work on your debt solution. 

Receiving a legal notice can be concerning, but Debtfre acts decisively on your behalf and our experienced legal team immediately responds to these notices, engaging directly with lenders and their advocates to prevent escalation to court. We specialize in negotiating effective repayment terms that protect your interests. Our track record speaks for itself: we have successfully handled thousands of cases without court intervention, providing peace of mind and resolution to our clients. 

We understand your concern. At Debtfre, trust and transparency are paramount. We are proud to be India’s highest-rated and most trusted debt management company a reputation built over 25+ years of Legal and Financials experience.

Our commitment to your financial well-being is reflected in our track record: we’ve successfully guided over 25,000++ clients across 187 cities in India to become debt free.

Crucially, with an in-house team of advocates, all our debt management plans are meticulously crafted and fully compliant with RBI (Reserve Bank of India) guidelines, ensuring that our processes are legal, ethical, and in your best interest. Furthermore, we operate on a transparent fee structure: you are only charged after you have thoroughly reviewed and approved your personalized debt management plan. This commitment ensures you know exactly what to expect and achieve your debt free goals.