ANTI-HARASHMENT SERVICES
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ANTI-HARASHMENT SERVICES
Are you being harassed by lenders for not paying your debt? Loan Free, a debt settlement company, is here to help you with our anti-harassment services. Our legal team rescued you and put an immediate stop to illegal and distressing recovery tactics.
In India, taking a loan is not easy; people have to face harassment and the lender’s illegal and shameful recovery method. The creditor did not adhere to the legal guidance and RBI rules when recovering their loan, even though they employed a torturous method. Discover how we can assist you or shield you from unwarranted harassment.
Process of Anti-Harassment Services
Leading debt settlement company Loan Free often offers anti-harassment services to guard against aggressive or violent methods used by creditors or collection agencies. This typically involves documenting instances of harassment, communicating with creditors on behalf of you, and potentially taking legal action to stop such behavior. Our services seek to provide our clients with safe and stress-free surroundings while we try to settle your debt problems.
PROCESS OF ANTI-HARASSMENT SERVICE
The Loan Free provides not only debt settlement services but also protects you from the harassment and illegal action of the creditors. Our anti-harassment process included the following steps:
Document harassment evidence
Consult with our legal team
Address with creditor about harassment
Negotiate the terms for resolution
Take legal action if necessary
Seek support
UNDERSTANDING HARASSMENT
Understanding Harassment
Recovery agents’ actions against RBI rules and guidelines fall under the category of harassment.
- Making repeated calls and inappropriate messages
- Use abusive language and make threats to the debtor.
- Harassing the debtor’s family and friends
- Visit the debtor’s home and workplace without prior notice to humiliate them.
- Making false and misleading statements
- Abuse publicly for not being able to pay debt
- Disclosing personal information to third parties
RBI GUILDELINES FOR RECOVERY AGENTS
- Avoid making repeated phone calls or sending messages at inconvenient times.
- not use abusive language or threats.
- not make false or misleading statements.
- Do not visit the debtor’s home or workplace without prior notice.
- Do not disclose personal information to third parties.
- Do not harass the debtor’s family or friends.
- There should be no public shame or humiliation of the debtor.
- You must adhere to the guidelines outlined in the fair practices code for debt collection activities.
- Cooperate with the RBI and other regulatory authorities.
LEGAL REMEDIES AVAILABLE
- Making a Police Complaint
- starting an injunction lawsuit against the bank in pursuit of compensation and relief.
- Suiting the bank and recovery agent for defamation.
- If agents access your property without permission, you have a trespassing lawsuit.
- Making a complaint to the ombudsman of your bank.
HOW CAN WE HELP
Our expert team of lawyers will assist you in
- Document instances of harassment
- Communicate with creditors
- Provide legal advice
- Negotiate with creditors
- Take legal action
- Offer emotional support
- Create a safety plan
- Educate clients on their rights
- Advocate for regulatory changes
- Provide resources and referrals