Is your invoice recoverable? A two-minute check
- Proof of order: PO, email, message or signed quotation. Even “please send 200 pieces” on WhatsApp counts.
- Proof of delivery or service: challan, e-way bill, lorry receipt, acceptance email or completion sign-off.
- The invoice: with GSTIN, date and due date.
- Age: within three years of the due date or the last acknowledgement.
- The buyer exists: check the company on the MCA register or the GSTIN on the GST portal.
Four out of five and you have a strong claim. Send us the documents and we will confirm for free.
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.
Common excuses and how the notice answers them
| Buyer says | The notice answers |
|---|---|
| “Quality was poor” | Delivery accepted on this date; no complaint raised within the agreed period; test certificate attached |
| “We never received it” | E-way bill, lorry receipt and signed challan attached |
| “Our customer has not paid us” | Your contract is with us; payment is due regardless, with interest from the due date |
| “Pay you next quarter” | Interest accrues daily; MSME claim and Section 43B(h) consequences stated |
| Silence | Filing to follow within the stated period; Council or court named |
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.