The consultation is free, by phone, WhatsApp or video, with no obligation. You learn what is recoverable, which route fits, how long it should take and what it costs: nothing upfront, 30% only on the amount recovered. If you proceed, a dedicated advocate sends the legal notice within 24 hours.
What happens in the consultation
- You message us on WhatsApp or book a slot; a recovery expert calls at the agreed time (phone or video).
- We go through the invoices, the order, the delivery proof and the buyer’s replies, and ask about the buyer’s pattern.
- You get an honest view: how recoverable the claim is, which route fits (reminders, legal notice, MSME Samadhaan, Section 138, summary suit or arbitration), a realistic timeline and the exact cost.
- If you decide to go ahead, a dedicated advocate is assigned and the legal notice goes out within 24 hours. If you decide not to, you owe nothing.
What is specific to Amritsar
Amritsar’s textile and food-processing businesses sell to wholesalers across north India, and rice exporters deal with buyers in Delhi and abroad. Hospitality suppliers face seasonal payment delays. Punjab’s Facilitation Council and the Amritsar courts handle the domestic side; export dues need contract and shipping documents.
Forums: Judicial Magistrate courts, Amritsar, for Section 138; District Court, Amritsar, and its Commercial Court for recovery suits.
MSME claims: Punjab Micro and Small Enterprises Facilitation Council, Directorate of Industries and Commerce, Government of Punjab, Chandigarh.
Industries we see most from Amritsar
- textiles and shawls
- food processing and papad-warian
- rice trading and exports
- tourism and hospitality
- machine tools
Industry pages: Textiles and garments dues in Amritsar, Engineering, fabrication and machine tools dues in Amritsar, Exporters and export houses dues in Amritsar, Food processing and agri-trading dues in Amritsar.
If you are in textiles and garments in Amritsar
60 to 120 day credit is normal; post-dated cheques and running accounts (khata) are common, and buyers raise quality or shortage disputes when they want to delay. In the consultation we ask for sale bills with HSN, delivery challans or lorry receipts, e-way bills, the buyer’s acceptance or no complaint within the agreed period, ledger statements and WhatsApp confirmations of orders.
What we usually advise: A legal notice with the full statement of account settles many textile dues because the buyer wants to keep sourcing. Bounced cheques go under Section 138. Udyam-registered manufacturers can file MSME Samadhaan and claim interest at three times the bank rate; trading dues go by notice, settlement and a summary suit.
- We check for: verbal orders with no written confirmation
- We check for: goods accepted without a signed delivery record
- We check for: quality complaints raised only after the due date
If you are in food processing and agri-trading in Amritsar
Mandi and trade credit on trust, high-value lots paid by cheque or RTGS weeks later, and seasonal cash-flow excuses for delay. In the consultation we ask for sauda confirmations, weighment slips, invoices, e-way bills and transport receipts, cheques and bank memos, and messages fixing rate and quantity.
What we usually advise: Commodity dues are usually cheque-based, so Section 138 is the main weapon, with a legal notice within the statutory 30 days of the bounce. Processors with Udyam registration can file MSME Samadhaan against corporate buyers; traders use notice and summary suits.
- We check for: missing the 30-day notice window after a cheque bounces
- We check for: sauda fixed on a phone call with no message trail
- We check for: weighment and quality disputes with no slips
If you are in exporters and export houses in Amritsar
Domestic suppliers to export houses wait on the exporter’s own realisation; exporters themselves face overseas buyers paying late or disputing quality. In the consultation we ask for POs and job-work orders, delivery challans, inspection and shipment records, invoices, and for overseas dues the contract, shipping documents and payment terms (LC, DA, DP or open account).
What we usually advise: Domestic dues from export houses are ordinary Indian claims: notice, Samadhaan for Udyam units, Section 138 and suits. Overseas dues need contract terms, ECGC cover where taken, and recovery in the buyer’s country; FundRaksha advises on which route is realistic before you spend on it.
- We check for: shipping before the LC or advance is in place
- We check for: no written job-work agreement with export houses
- We check for: letting overseas dues cross RBI realisation deadlines without an extension
What to check in any free consultation
- Is the person assessing your case an advocate or working with one? Ask who will sign the notice.
- Do they tell you when a claim is weak? A good assessment sometimes says “not worth pursuing”.
- Is the fee in writing, and what happens if nothing is recovered?
- Will the recovered money come to you directly from the buyer?
- Do they know the MSMED Act timelines, Section 138 deadlines and Section 43B(h)?
What to have ready
- The unpaid invoice(s) and payment terms
- Purchase order, delivery challan, e-way bill or proof of service
- Messages, emails or letters about the payment
- For a bounced cheque: the cheque and the bank return memo
Photos or PDFs on WhatsApp are fine. Missing documents do not stop the assessment; we tell you what to collect.