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 Kozhikode
Kozhikode’s timber, plywood and footwear businesses supply dealers across Kerala and the Gulf-linked trade, and food traders deal on long-standing relationships. For domestic buyers who stop paying, a legal notice followed by a summary suit on the invoices is the usual route; Udyam-registered manufacturers can add MSME Samadhaan.
Forums: Judicial First Class Magistrate courts, Kozhikode, for Section 138; District Court, Kozhikode, and its Commercial Court for recovery suits.
MSME claims: Kerala Micro and Small Enterprises Facilitation Council, Directorate of Industries and Commerce, Government of Kerala, Thiruvananthapuram.
Industries we see most from Kozhikode
- timber and plywood
- footwear
- spices and food trading
- healthcare
- construction
Industry pages: Construction, contractors and building materials dues in Kozhikode, FMCG and consumer goods distribution dues in Kozhikode, Exporters and export houses dues in Kozhikode, Food processing and agri-trading dues in Kozhikode.
If you are in construction, contractors and building materials in Kozhikode
Running account bills certified against measurement books, 10% retention held for months, and payment tied to the developer’s own collections. In the consultation we ask for work orders, RA bills and measurement sheets, site engineer certifications, delivery challans for materials, and emails about retention and defects.
What we usually advise: The notice must separate certified-but-unpaid bills from disputed quantities, and demand release of retention after the defect period. Material suppliers with Udyam registration use MSME Samadhaan; contractors go by notice, settlement and a civil or summary suit, or arbitration if the work order provides for it.
- We check for: uncertified RA bills
- We check for: retention never formally claimed
- We check for: extra work done on verbal instruction
If you are in exporters and export houses in Kozhikode
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 food processing and agri-trading in Kozhikode
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
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.