Free payment recovery consultation in Jalandhar

What happens in the consultation

1. You message us on WhatsApp or book a slot; a recovery expert calls at the agreed time (phone or video).
2. We go through the invoices, the order, the delivery proof and the buyer’s replies, and ask about the buyer’s pattern.
3. 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.
4. 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 Jalandhar

Jalandhar’s sports-goods, hand-tool and pipe-fitting makers supply dealers and exporters nationwide, usually small manufacturers selling on 90-day credit. The MSME Act’s 45-day limit and interest apply to most of them, and a legal notice with the delivery documents is the first step that gets dealers paying.

Forums: Judicial Magistrate courts, Jalandhar, for Section 138; District Court, Jalandhar, 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 Jalandhar

• sports goods
• hand tools
• leather and footwear
• pipe fittings and valves
• auto components

Industry pages: Engineering, fabrication and machine tools dues in Jalandhar, Auto components and ancillaries dues in Jalandhar, Exporters and export houses dues in Jalandhar, Leather and footwear dues in Jalandhar.

If you are in exporters and export houses in Jalandhar

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

If you are in engineering, fabrication and machine tools in Jalandhar

Purchase orders with 45 to 90 day terms, frequent “hold” on payments pending inspection, and debit notes for rejections. In the consultation we ask for purchase orders, delivery challans and GRNs, inspection and test certificates, invoices and the buyer’s rejection or debit notes.

What we usually advise: Most engineering suppliers are Udyam-registered, so the MSME Act’s 45-day limit and statutory interest apply to OEM and EPC buyers, including PSUs. A legal notice followed by MSME Samadhaan is the standard route; large contracts often add arbitration.

• We check for: deliveries without GRN acknowledgement
• We check for: rejections not contested in writing
• We check for: tooling and development costs not covered by a PO

If you are in leather and footwear in Jalandhar

90 to 120 day credit to brands and wholesalers, seasonal orders, and returns or markdown claims used to cut payments. In the consultation we ask for POs and season orders, delivery challans and e-way bills, invoices, quality acceptance and the brand’s claim correspondence.

What we usually advise: Footwear and leather units are mostly micro and small enterprises, so the MSME Act’s 45-day rule applies to brand and wholesaler buyers; a notice citing it and then Samadhaan recovers most domestic dues. Cheque dues go under Section 138.

• We check for: season orders accepted on WhatsApp alone
• We check for: markdown and return claims not challenged in writing
• We check for: long credit agreed in writing beyond 45 days

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.