A stuck payment usually sits at one of five blocks: missing acceptance paperwork, reconciliation differences, an internal approval, a disputed deduction, or deliberate delay. The free consultation identifies the block from your documents and the buyer's replies, then recommends the step that clears it, from a targeted reconciliation statement to an advocate's notice within 24 hours.
Block 1 and 2: paperwork and reconciliation
Large buyers will not release payment without a GRN or service acceptance in their system, and distributors will not pay until schemes, returns and credit notes are reconciled. The fix is a complete statement of account with every supporting document attached, sent formally so the buyer cannot say it was never received. The consultation checks whether your statement is complete and whether the undisputed balance can be demanded immediately while the reconciliation continues.
Block 3 and 4: approval and deductions
An approval stuck with a manager moves when the request comes from an advocate addressed to the company's finance head and directors. A disputed deduction (quality, shortage, delay penalty) needs the contract and the acceptance record examined: was the deduction agreed, was the complaint raised in time, does the contract allow it? The expert tells you which deductions to concede and which to contest.
Block 5: deliberate delay
Some buyers treat suppliers as free credit. Signs: every payment needs chasing, part payments on round figures, new reasons each month. Here only consequences work. For an MSME supplier that means a Samadhaan claim with statutory interest; for others, a notice with a short deadline followed by a summary suit. The buyer's exposure under Section 43B(h) of the Income-tax Act (no deduction for late payments to micro and small suppliers) is a point your notice can make.
What to bring and what you will get
- 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
You will get the block identified, a recommended step, a timeline and the 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. 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.
Sector detail: FMCG distribution, auto components, healthcare suppliers. City view: payment recovery company in Nagpur. Measure the cost of delay with the DSO calculator.
Last reviewed: 2026-10-08. Information for Indian businesses; not legal advice.