Unpaid dues drain working capital and management time. Most debtors pay once they see that you are organised, your documents are in order, and you are prepared to act. Our job is to make that clear quickly, and to follow through when it isn't enough.
Our approach: settle where possible, enforce where necessary
- Review. We examine your contract or purchase orders, invoices, delivery proofs, ledger and correspondence, and check limitation (generally three years for most money claims under the Limitation Act, 1963).
- Demand. A well-drafted legal notice sets out the debt, the evidence and the consequences of non-payment.
- Negotiate. Many matters settle at this stage, often with a structured payment plan that we document properly.
- Enforce. If payment doesn't follow, we move to the forum that best fits your claim.
Recovery routes we use
- Cheque bounce complaints under Section 138, Negotiable Instruments Act, 1881, when a cheque has been dishonoured. More →
- Summary suits under Order XXXVII, Code of Civil Procedure, for debts based on written contracts, invoices or bills, where the defendant needs the court's leave to even defend;
- Commercial suits under the Commercial Courts Act, 2015 for disputes of ₹3 lakh and above, with pre-institution mediation and summary judgment. More →
- Arbitration, where your contract contains an arbitration clause. More →
- MSME Facilitation Council under the MSMED Act, 2006 for registered micro and small enterprises. Buyers must generally pay within 45 days, and late payment attracts compound interest at three times the RBI bank rate.
- Insolvency proceedings before the NCLT, where the debtor is a company and the default is ₹1 crore or more. More →
- Execution of decrees and awards, by attachment of bank accounts and property, to turn a judgment into payment.
Not sure which forum fits? Read Court, arbitration or NCLT?
What to send us for a first review
- contract, purchase orders or work orders;
- invoices and delivery challans or proof of service;
- account statement or ledger showing the outstanding amount;
- emails, messages or letters in which the debtor acknowledged the dues;
- any dishonoured cheques with the bank return memo.
Ongoing support with a retainer
If your business regularly deals with late payers, our monthly retainer plans include legal notices, contract reviews and recovery strategy for a fixed fee, starting from ₹3,999 per month.
Frequently asked questions
How long do I have to recover a debt?
For most money claims, the limitation period is three years from when the payment fell due. A written acknowledgment of the debt or a part payment by the debtor can restart the period. Don't wait until the deadline is close.
Is a legal notice compulsory before filing a case?
Not always, but it is strongly recommended and is mandatory for some remedies, such as cheque bounce cases and operational creditor claims under the IBC. Many debts are paid at the notice stage.
Can I claim interest on the unpaid amount?
Usually yes: at the contractual rate if one is agreed, otherwise at a rate the court considers reasonable. Registered MSMEs are entitled to compound interest at three times the RBI bank rate.
What does debt recovery cost?
It depends on the route. We agree fees for each stage in writing before starting, and recommend the route where the expected recovery justifies the cost.
This page is general information about Indian law as of 15 October 2026, not legal advice. Every case turns on its own facts. Please speak to a lawyer before acting on it. See our disclaimer.
Tell us what you're owed
We'll review your documents and explain the fastest route to recovery.