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Advocate B.K. Singh - Senior Loan Settlement & Banking Lawyer, India Est. Practice . 20+ Years

Advocate & Counsel . Banking & Recovery Law

Advocate B.K. Singh

Senior Loan Settlement & Borrower Protection Lawyer - India

MCA | LL.B | LL.M | Pan-India Practice

Two decades of focused practice in loan settlement, DRT litigation, SARFAESI defence, and borrower protection. Known for straight answers, tight drafting, and the kind of negotiation that actually closes files - not the kind that keeps them open for years.

Direct Line +91 96549 61599
Email advocates@loansettlementlawyer.in
Book Consultation
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 +91-9654961599
20+
Years in Practice
7
Forums & Courts
50+
Practice Verticals
All India
Client Coverage

About the Counsel

A banking lawyer who actually answers the phone.

Most borrowers walking into their first consultation are tired. They've already called customer care. They've already filed a complaint that went nowhere. What they need is someone who understands banks from the inside and knows how to pull the right lever at the right time.

Advocate B.K. Singh has spent the last twenty years on one side of the table - the borrower's side. His practice runs on a narrow but deep set of verticals: loan settlement, recovery defence, RBI complaints, DRT litigation, SARFAESI protection, borrower harassment, consumer disputes, and action against unfair banking practices.

The clients range widely. Salaried employees cornered by credit card recovery calls. Small business owners whose OD account just turned NPA. Guarantors who signed two pages in good faith and now have a notice on their door. Families staring at an auction of the house they built over fifteen years. Startups watching a working capital line freeze during their worst quarter.

The work isn't about dragging a file in court for three years. It's about knowing when to settle, when to fight, and when to make the bank blink first.

- Advocate B.K. Singh

Whether the matter is a personal loan default, a home loan on the verge of auction, an NBFC harassment campaign from a recovery agent, a forged signature on a sanction letter, or a wrong CIBIL entry that's been sitting there for four years - the approach is the same. Read the papers carefully. Identify the real leverage. Move the right forum. Keep the client informed at every step.

The firm handles matters pan-India - Delhi, Mumbai, Bangalore, Hyderabad, Chennai, Kolkata, Pune, Lucknow, Chandigarh, and a growing list of tier-two cities where digital lending and NBFC recovery pressure are now everyday realities.

Most first consultations happen on a call. No theatrics. You describe the situation, share the documents, and you get a straight read on where you stand, what the bank can and cannot do, and what the next lawful step looks like.

Areas of Practice

Every lane of borrower defence - under one roof.

From one-time settlement and restructuring to DRT, SARFAESI, RBI ombudsman, and criminal complaints against loan fraud - each vertical below is handled in-house with the preparation it deserves. Pick the area closest to your matter.

Vertical 01

Loan Settlement Services

  • Loan Settlement Lawyer
  • Personal Loan Settlement
  • Business Loan Settlement
  • Car & Bike Loan Settlement
  • Credit Card & EMI Settlement
  • Education Loan Settlement
  • Gold & Mortgage Loan Settlement
  • Home Loan Settlement
  • Medical Loan Settlement
  • Microfinance Loan Settlement
  • NBFC Loan Settlement
  • One-Time Settlement (OTS)
  • Written-Off Loan Support
  • Debt Consolidation Services
  • Mudra Loan Settlement
  • Startup Loan Advisory
  • NPA Account Consultation
  • Credit Card Settlement Help
Vertical 02

DRT, Court & Recovery Litigation

  • Debt Recovery Tribunal (DRT) Matters
  • Appeal Against DRT Order
  • DRT Stay Petition Filing
  • Writ Petition in High Court
  • Review Petition - DRT / HC
  • Contempt Proceedings
  • Civil Suit for Recovery
  • Defence Against Bank Recovery Suit
  • Over-Recovery Cases
  • Lok Adalat Representation
Vertical 03

Restructuring & Financial Strategy

  • Loan & EMI Settlement Strategy
  • Loan Restructuring
  • Bad Loan Recovery Strategy
  • Overdue Loan Protection
  • EMI Default Legal Advice
  • Loan Foreclosure Assistance
  • Strategic Negotiation
  • Reduced Settlement Negotiation
  • Secured vs Unsecured Strategy
Vertical 04

Bank, NBFC & Harassment Defence

  • Bank Harassment Legal Action
  • Recovery Agent Complaints
  • Legal Notices to Banks / NBFCs
  • RBI & Banking Complaints
  • RBI Ombudsman Advisory
  • NBFC Compliance Review
  • Excess Interest Charge Claims
  • Hidden Charges Legal Support
  • Wrong Recovery Complaints
  • Fraud by Loan Agent
  • Fraud by Bank Cases
  • Account Freeze Legal Help
  • Salary Garnishment Protection
Vertical 05

SARFAESI & Property Protection

  • SARFAESI Act Defence
  • Property Attachment Stay Orders
  • Auction Prevention Strategy
  • Home Auction Stay & Objection
  • Loan Against Property Disputes
  • DRT Petitions under Section 17
  • Symbolic Possession Challenges
  • Physical Possession Stay
Vertical 06

Borrower Disputes & Consumer Claims

  • General Loan Disputes
  • Cheque Bounce (Section 138)
  • Co-Applicant Disputes
  • Guarantor Disputes
  • Credit Score Settlement
  • CIBIL Score Disputes
  • Credit Limit Misuse
  • Wrong Account Mapping
  • Unsecured Loan Advisory
  • Auto-Debit / NACH Disputes
  • Loan Closure Certificate Issues
  • Non-Closure of Settled Loans
  • No-Due Certificate Disputes
  • CIBIL Update Post-Settlement
Vertical 07

Consumer Court & Loan Fraud

  • Mis-Sold Loan Cases
  • Consumer Cases vs NBFC / Bank
  • Loan Agent Misrepresentation
  • Loan Fraud FIR Filing
  • Cyber Fraud & EMI App Scams
  • Online Loan Scam Cases
  • Instant Loan App Harassment
  • Digital Loan Disputes
Vertical 08

Identity Theft & Forgery Cases

  • Financial Identity Theft
  • Loan in Someone Else's Name
  • Forged Signature Disputes
  • Loan Sanctioned Without Consent
  • Wrong PAN / Aadhaar Usage
  • Document Forgery Claims
Vertical 09

Business & Corporate Loans

  • Corporate Loan Matters
  • SME Loan Disputes
  • Working Capital Loan Help
  • OD & CC Account Disputes
  • Term Loan Default Defence
Vertical 10

Pre & Post-Loan Legal Services

  • Legal Due Diligence for Loans
  • Pre-Loan Verification
  • Loan Agreement Drafting
  • Post-Settlement Compliance
  • Banking Legal Advisory
  • Consumer Court Expansion
  • Garnishee Protection
  • Borrower Rights Advisory
  • RBI Guidelines Compliance

Courts & Forums

Where the matters are argued.

Representation isn't limited to one forum. Depending on the facts, the fastest route may be a DRT stay, a High Court writ, a consumer complaint, or a direct RBI ombudsman filing. Below are the forums where matters get moved regularly.

01
Debt Recovery Tribunals
SARFAESI Section 17 applications, stay of auctions, challenge to recovery certificates, and first-instance recovery suits filed by banks and NBFCs.
02
High Courts
Writ petitions under Articles 226 and 227 challenging arbitrary bank action, auction notices, and CIBIL entries. Appeals from DRT and DRAT orders.
03
District & Commercial Courts
Civil suits for recovery, injunction petitions, and cheque bounce proceedings under Section 138 of the Negotiable Instruments Act.
04
Consumer Forums
District, state, and national consumer commissions for mis-sold loans, deficiency in service, and wrongful CIBIL reporting by banks and NBFCs.
05
RBI Ombudsman
Complaints under the Integrated Ombudsman Scheme against banks, NBFCs, and digital lenders for regulatory breaches and unfair practices.
06
Arbitration Panels
Representation before panels constituted under loan agreements - including Section 17 and Section 34 proceedings under the Arbitration Act.

Working Principles

How the work gets done.

Banking disputes stretch when nobody is willing to make a clear decision. The four principles below exist to prevent that - for the client, for the file, and for the river of paperwork a recovery matter usually comes with.

01

Clarity First

Before any notice is sent or any petition is filed, you'll know exactly where you stand - what the bank can legally do, what it can't, and what the realistic outcomes look like.

02

Protection Before Strategy

The first job is to stop the bleeding - coercive calls, wrongful deductions, auction threats. Once you're safe, the longer-term strategy can actually work.

03

Closure, Not Delay

Dragging a file for the sake of it helps no one. The aim is a lawful, practical, financially sensible close - settlement, restructuring, or judgment, whichever serves you.

04

Honest Communication

No tall promises. No "everything will be waived off" assurances. Realistic expectations, timely updates, and a phone that actually gets picked up.

Why Clients Return

What makes the difference on a live file.

A lot of lawyers will take on a banking matter. Very few specialise in it end-to-end. The points below are what show up repeatedly in client feedback and renewed engagements.

Narrow, Deep Focus

The practice doesn't stretch thin. Loan settlement, DRT, SARFAESI, and borrower protection - that's the entire focus. That depth shows up on every file.

Drafting That Works

OTS proposals, legal notices, objections, RBI complaints - drafted sharp enough that banks actually respond, not just sit on them.

Defence That Holds

Against auction threats, coercive recovery, wrongful reporting - practical protection strategies that survive beyond the first hearing.

Pan-India Reach

Remote consultations, digital documentation, and representation across DRT benches and High Courts in every major Indian city.

Direct Access

You speak to the lawyer handling your matter, not to a rotating bench of juniors. The same person who drafted your notice will argue your matter.

Who We Represent

Borrowers, guarantors, families, and businesses - across India.

The work cuts across income groups and case types. Anyone who has ever signed a loan document - or had someone sign one on their behalf - can find themselves in a situation that requires this kind of representation.

Salaried Professionals Self-Employed MSME Owners Startup Founders Guarantors & Co-Applicants Families Facing Auction NBFC Borrowers Credit Card Customers Digital Loan Victims Identity Theft Victims Senior Citizens Women Borrowers SME Promoters NRIs with Indian Loans

Ready to Talk

Your matter deserves a straight answer - and a workable plan.

One call, fifteen minutes, no commitment. Describe the situation, share the papers, and walk away knowing exactly where you stand and what the next lawful step looks like.

Book Consultation -> Send Documents
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+91 96549 61599
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+91 96549 61599
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