How to judge a debt collection company
- Who does the work? Advocates with the power to issue notices and file cases, or agents who can only call?
- How are they paid? A success fee aligns the company with you; advance fees pay them whether you recover or not.
- Do they know the law? Ask about the MSMED Act, Section 138 timelines and Section 43B(h). Vague answers mean weak notices.
- What is the track record? Numbers, not adjectives.
- Is everything documented? Notices, calls, settlements and filings should be in writing and shared with you.
FundRaksha compared
| FundRaksha | Collection agencies | Traditional law firms | |
|---|---|---|---|
| Who handles your case | A dedicated advocate | Call-centre agents | A lawyer, often juniors |
| Start | Notice within 24 hours | Repeated calls | Weeks of paperwork |
| Approach | Notice, negotiation, settlement, then filing | Pressure | File and wait |
| Fees | 30% on recovery, nothing upfront | Commission plus charges | Retainer plus per hearing |
| Track record | 700+ businesses paid | Rarely published | Not published |
Recovering B2B dues in Guwahati: what is specific here
Guwahati is the gateway to the North-East, so its distributors and transporters carry stock and freight dues for brands serving seven states, and its contractors supply large infrastructure projects. Distances make personal follow-up costly; a digital legal notice and remote filing through Samadhaan or the Guwahati courts work well here.
Main industries: FMCG and pharma distribution for the North-East, tea trading, construction and infrastructure, government supply and logistics.
Courts: Judicial Magistrate courts, Kamrup (Metro), Guwahati, for Section 138; District Court, Kamrup (Metro), and its Commercial Court for recovery suits; the Gauhati High Court for high-value matters.
MSME claims: Udyam-registered micro and small suppliers in Guwahati file on MSME Samadhaan, heard by the Assam Micro and Small Enterprises Facilitation Council (Commissionerate of Industries and Commerce, Government of Assam, Guwahati). The Council sits where the supplier is, so a Guwahati supplier can pursue a buyer in another state from home.
How recovery works for a business in Guwahati
- Free consultation and case assessment. Send us the invoice, purchase order or delivery proof and the buyer’s messages. We tell you what is recoverable and how.
- Dedicated advocate within 24 hours. Your advocate sends a legal notice as an e-notice the same day and by registered post, with proof of delivery saved.
- Negotiation and settlement. The advocate calls the buyer, explains the consequences and agrees a payment plan. About 60% of our cases close here.
- Filing if needed. MSME Samadhaan before the Assam Micro and Small Enterprises Facilitation Council, a Section 138 complaint in the Guwahati magistrate courts, a summary suit or arbitration, handled by the same advocate.
You pay nothing upfront. Our fee is 30% of the amount actually recovered; if nothing is recovered there is no fee. Court fees, where a matter is filed, are borne by you and told to you in advance.