Money we recover, and the proof each needs
| Money stuck | Proof that works | Usual route |
|---|---|---|
| Unpaid bills for goods or services | Invoice, order, delivery proof, ledger | Notice, then MSME Samadhaan or summary suit |
| Advance paid, goods or work not delivered | Payment proof (bank transfer, UPI), order or quotation, follow-up messages | Notice demanding refund, then civil suit or arbitration |
| Security deposit not returned | Agreement, deposit receipt, handover or closure letter | Notice, then suit on the agreement |
| Bounced cheque | Cheque and bank return memo | Section 138 notice within 30 days |
| Old udhaar or khata balance | Bills, ledger, part-payments, written promises | Notice; suit within three years of the last acknowledgement |
Recovering B2B dues in Mumbai: what is specific here
Mumbai is India’s largest B2B market and its dues are the most varied: garment exporters in Dharavi and Andheri, chemical traders in Masjid Bunder, agencies and consultants billing corporates in BKC and Lower Parel. Cheque-based payments are still common in trading, so Section 138 is a frequent route, and arbitration clauses in corporate contracts often decide where a dispute is heard.
Main industries: textiles and garments, finance and services, pharmaceuticals, chemicals, media and advertising and import and export trading.
Courts: Metropolitan Magistrate courts (Esplanade, Mazgaon, Andheri, Bandra, Kurla and others) for Section 138 complaints; City Civil Court and the Bombay High Court Commercial Division for high-value recovery suits.
MSME claims: Udyam-registered micro and small suppliers in Mumbai file on MSME Samadhaan, heard by the Maharashtra Micro and Small Enterprises Facilitation Councils (regional councils for Mumbai, Pune, Nashik, Nagpur, Aurangabad and Amravati regions) (Directorate of Industries, Government of Maharashtra, Mumbai, and regional Joint Director of Industries offices). The Council sits where the supplier is, so a Mumbai supplier can pursue a buyer in another state from home.
What we do not handle
Personal loans between friends or relatives, consumer complaints and bank or NBFC loan recovery are outside our service. If the other party is a business and the money arose from trade, we can help.
How recovery works for a business in Mumbai
- 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 Maharashtra Micro and Small Enterprises Facilitation Councils (regional councils for Mumbai, Pune, Nashik, Nagpur, Aurangabad and Amravati regions), a Section 138 complaint in the Mumbai 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.