DRT, recovery agents or a B2B recovery agency?
| Route | Who can use it | Use it for an unpaid invoice? |
|---|---|---|
| Debt Recovery Tribunal (DRT) | Banks and financial institutions, for debts of ₹20 lakh and above | No: suppliers cannot file there |
| Bank recovery agents | Lenders, under RBI rules | No: they act only for lenders |
| MSME Samadhaan | Udyam-registered micro and small suppliers; heard by the Bihar Micro and Small Enterprises Facilitation Council | Yes, if you are Udyam-registered |
| Section 138, NI Act | Anyone holding a bounced cheque | Yes, within the 30-day notice limit |
| Summary or civil suit, arbitration | Any supplier with a fixed sum due | Yes |
A business debt recovery agency should use the last three. FundRaksha’s advocates choose the route in the free consultation and often run two together.
Recovering B2B dues in Patna: what is specific here
Patna’s business is distribution and government supply: stockists carrying brand dues, building-material suppliers waiting on contractors, and vendors to state departments. Payments are rarely refused outright; they are delayed through reconciliation and approvals. A legal notice with a clear statement of account, followed by Samadhaan for Udyam units, is usually what moves them.
Main industries: FMCG and pharma distribution, construction materials, government and PSU supply, agri-trading and education services.
Courts: Judicial Magistrate courts at the Patna Civil Court complex for Section 138; District Court, Patna, and its Commercial Court for recovery suits.
MSME claims: Udyam-registered micro and small suppliers in Patna file on MSME Samadhaan, heard by the Bihar Micro and Small Enterprises Facilitation Council (Directorate of Industries, Government of Bihar, Patna). The Council sits where the supplier is, so a Patna supplier can pursue a buyer in another state from home.
Recovery agent or advocate?
A recovery agent can only remind and persuade. An advocate can send a statutory notice, claim interest under the MSMED Act, file in the Patna courts or before the Council, and enforce the result. That is why every FundRaksha case has a dedicated advocate from day one. Read more: recovery agent vs advocate.
How recovery works for a business in Patna
- 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 Bihar Micro and Small Enterprises Facilitation Council, a Section 138 complaint in the Patna 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.