We help individuals and small businesses resolve personal loans, credit card debt, and other unsecured dues legally. We also provide legal protection from recovery harassment and tools for credit rebuilding.

We act as mediators and legal advisors. Settlement is at the sole discretion of the lender. We represent your case, prepare documents, and negotiate terms, but banks issue settlement letters.

Yes. We'll handle the harassment on behalf of our client with several legal options. Once our process starts, we send a legal representation notice to your lender, and as per RBI and court directions, harassment or multiple house visits are prohibited. You also receive a Legal Rights Card to assert your protection.

Absolutely. We operate under RBI guidelines, Consumer Protection Act, and use only legitimate, documented procedures for resolution.

Yes, your score may drop temporarily. However, we offer a Credit Builder Toolkit and strategies to help you recover and rebuild your score within 6–12 months.

Yes, many clients get fresh loans or credit cards after 12–18 months of disciplined credit use and score recovery.

At KARZMAAF, we initiate your case immediately after signing the agreement. The only initial amount required is ₹5,000, which covers:
● Drafting and signing the legal Agreement,
● Issuing your Anti-Harassment Service Letter, and
● Creating a dedicated legal support group for your case.
There's no delay in process activation—we start working from day one, and you choose your preferred date for the remaining fee payment. Everything moves forward smoothly with your cooperation.

Yes. Our fee structure is fully transparent and tailored based on your total outstanding amount. We offer flexible monthly EMI options, with no hidden costs, and full clarity in our legal fee breakdown.

Ask for the ID Card of that particular recovery agent. Take a picture and share it in the group. Record the interaction and inform us immediately. As per RBI rules, only one house visit is allowed, and no verbal or physical abuse is permitted. We will intervene legally.

Yes, we assist you in filing formal complaints with the RBI Ombudsman, Police, and your lender's grievance cell with full documentation support.