The free debt recovery consultation is a 20 to 30 minute call in which a FundRaksha expert reviews your invoices, contract and the buyer's replies, assesses recoverability honestly, and recommends a route: reminders, a legal notice, MSME Samadhaan, a Section 138 complaint, a summary suit or arbitration. If you proceed, there is nothing to pay upfront and 30% only on what is recovered.
Who the free debt recovery consultation is for
The consultation is for any Indian business that is owed money by another business: a manufacturer whose buyer has crossed the credit period, a trader with a bounced cheque, a service firm whose client has stopped replying, a contractor whose retention has never been released. Amounts range from a few lakhs to several crores; the law and the method are the same, only the route changes.
It is also for businesses that are not sure whether their debt is worth pursuing. A large part of the value of the call is being told honestly when a case is weak, when it is time-barred, or when a simple reminder sequence will do the job without a lawyer.
If you are an MSME, a startup, a distributor or an exporter, see the industry pages such as textiles, IT services and exports for how dues arise in your trade, then book the call.
What is covered in the call
- Documents. We go through the invoice, purchase order, delivery proof and the buyer's messages. Gaps are pointed out so you can fill them before any notice goes.
- Recoverability. Is the debt admitted or disputed? Is the buyer solvent and traceable? Is the claim within the three-year limitation period? These decide the chances.
- Route. Reminders, a legal demand notice, MSME Samadhaan under the MSMED Act, a Section 138 complaint for a bounced cheque, a summary suit under Order XXXVII CPC, or arbitration if your contract has a clause.
- Timeline and cost. A realistic estimate for each stage, and the exact cost: Nothing is charged upfront. If you proceed, FundRaksha Legal charges 30% only on the amount actually recovered; if nothing is recovered there is no success fee. Court fees, where a matter is filed, are borne by you and told to you in advance.
You leave the call knowing where you stand, even if you decide to do nothing.
What a business should check before the call
- The invoice date, due date and the agreed credit period (written or implied)
- Whether you have proof of delivery or acceptance: signed challan, e-way bill, GRN or an email confirming the service
- Whether the buyer has ever admitted the dues in writing, even on WhatsApp
- Whether you are Udyam-registered as a micro or small enterprise (this opens MSME Samadhaan and interest at three times the RBI bank rate)
- Whether any cheque was given and returned unpaid, and the date on the bank return memo
None of this is compulsory; the expert will ask about anything missing. But the more you have ready, the more precise the assessment.
What happens after the consultation
If you want to proceed, you share the documents on WhatsApp or email and sign a short engagement. If you decide to go ahead, a dedicated advocate is assigned within 24 hours of your complete documents and the legal notice goes out as an e-notice, followed by registered post. Most buyers respond within the notice period; the advocate negotiates a payment or a schedule, and about 60% of matters close here.
If the buyer still does not pay, the same advocate files the right proceeding: MSME Samadhaan before your state's Facilitation Council, a Section 138 complaint, a summary suit or arbitration. Use the recovery fee calculator to see what you keep at each recovery amount.
If you would rather not proceed, nothing is owed and nothing is sent to your buyer. The consultation is free in every sense.
Last reviewed: 2026-10-08. Information for Indian businesses; not legal advice.