What a professional collector does, and does not do
| Professional (FundRaksha) | Unprofessional (avoid) |
|---|---|
| Legal notice from an advocate with a full statement of account | Anonymous calls and messages |
| Calls to the buyer’s finance team at business hours, recorded | Calls to family, staff or at odd hours |
| Negotiated settlement in writing, with post-dated payments | Verbal promises and partial cash collections |
| Statutory remedies: Council, Section 138, suits, arbitration | Threats, visits and public shaming |
| Success fee only on recovery | Advance fees and hidden charges |
Harassment is not only unethical; it gives the buyer a defence and can expose you to a counter-complaint. The lawful route recovers more and protects your reputation in your trade.
Recovering B2B dues in Kochi: what is specific here
Kochi’s seafood exporters, spice traders in Mattancherry and shipping agents around the port deal with both domestic and overseas buyers, and dues from hotels and resorts rise and fall with the season. Kerala’s Facilitation Council handles MSME claims, and the Ernakulam courts are experienced with Section 138 matters from the trading community.
Main industries: seafood processing and exports, spices trading, shipping and logistics, IT services and tourism and hospitality.
Courts: Judicial First Class Magistrate courts, Ernakulam, for Section 138; District Court, Ernakulam, and its Commercial Court for recovery suits; the Kerala High Court for high-value matters.
MSME claims: Udyam-registered micro and small suppliers in Kochi file on MSME Samadhaan, heard by the Kerala Micro and Small Enterprises Facilitation Council (Directorate of Industries and Commerce, Government of Kerala, Thiruvananthapuram). The Council sits where the supplier is, so a Kochi supplier can pursue a buyer in another state from home.
Our standards
- Advocates enrolled with their State Bar Councils handle notices, negotiation and filings.
- Every communication is logged and shared with you.
- Settlement terms are documented so a missed instalment can be enforced.
- We tell you honestly, in the free assessment, when a claim is weak or not worth pursuing.
How recovery works for a business in Kochi
- 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 Kerala Micro and Small Enterprises Facilitation Council, a Section 138 complaint in the Kochi 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.