Debt Recovery & Banking Law (Borrower Defense)
Available across Bengaluru
Ramniwas Surajmal
I help you challenge unfair bank recovery actions, stop property auctions, and negotiate settlements by using your legal rights under SARFAESI and IBC.
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Debt Recovery & Banking Law (Borrower Defense)
About
Getting a bank notice is stressful - feels like sab kuch hil gaya (everything shaken up). I don’t sugarcoat it, but it's not game over. You’ve got legal rights, and I help you use them.
What Happens First
If you got a SARFAESI Act notice, there’s a 60-day window. That’s your chance to actually fight back. I go through every detail for mistakes, file objections, and challenge the NPA classification if it’s unfair. No waiting around, har din ka mahatva hai (every day counts).
My Way of Defending You
No one-size-fits-all. I build the defense around your situation. Sometimes, it’s about stopping property auctions - I work for a stay from the Debt Recovery Tribunal. If needed, I’ll take it up to DRAT or even the High Court, especially when banks mess up procedures.
If an IBC notice lands, I don’t let panic take over. I push back on wrongful insolvency claims and help draft resolution plans that keep your reputation and assets safe. For personal guarantors, I explain what’s actually at risk - ghar, investments, future earnings, nothing hidden.
Not Just a Fight, But a Solution
I’m all for courtroom battles, but if we can settle smartly, I do that too. I negotiate with banks, sometimes slashing what you owe. The idea is to get you out of trouble, not keep you stuck in it.
Your Basic Borrower Rights
- Proper notice before action
- Right to contest any bank claim
- Point out flaws in bank’s documents
- Ask for a fair One-Time Settlement
You don’t have to handle this alone. I’m here to make sure the law works for you, not just the banks.
Meet your Expert
Ramniwas Surajmal
My Story
My Work
All round legal services - We handle Arbitration, Banking & DRT, Corporate, Criminal, RERA & Consumer, Family, NCLT & IBC, Civil Law.
IBC and DRT help for businesses - If IBC pressure or DRT notice comes, we turn your financial mess into legal clarity, so you fight back.
Family law support - Divorce, custody, domestic violence - we stand up for you, because law brings balance when emotions run high.
Property & RERA agreements - Buying property? We spot red flags in RERA agreement review and title deeds, saving you future headaches.
Legal notice drafting - Legal notice mila hai? Don't reply emotionally. We draft strong, timely responses to protect your rights.
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