Before hiring a recovery agency, ask: who actually handles the case (advocates or agents); what methods are used; what the fee is and when it is paid; who pays court fees; what happens if nothing is recovered; which legal routes they use; how you are kept informed; and whether they will decline a weak case. FundRaksha's answers: enrolled advocates; notice, negotiation and legal process only; 30% on recovery, nothing upfront; court fees disclosed in advance; no fee if no recovery; all statutory routes; WhatsApp and email updates; yes, weak cases are declined.
Questions about people and method
- Who will handle my case: an enrolled advocate, or an agent? Only an advocate can send a legal notice with weight, file and appear. FundRaksha: a dedicated enrolled advocate, assigned within 24 hours.
- What methods do you use? Anything beyond notice, calls, negotiation and legal process (visits, pressure, public shaming) can expose you to liability. FundRaksha: legal process only.
- Will you contact my buyer before I approve? Nothing should go out without your sign-off. FundRaksha: nothing is sent until you engage.
- Can you decline my case? An agency that takes every case is not assessing it. FundRaksha: weak and time-barred cases are declined with reasons.
Questions about money
- What is the fee and when is it paid? FundRaksha: 30% of the amount actually recovered, paid as it is received. No retainer, no drafting fee.
- Who pays court fees and when are they disclosed? FundRaksha: the client, with the exact figure told before anything is filed. Most matters never reach that stage.
- What if nothing is recovered? FundRaksha: no success fee.
- Is the fee on principal only or on interest too? FundRaksha: on the amount actually recovered, including interest.
Run the recovery fee calculator with any agency's quoted fee to compare.
Questions about the legal routes
- Do you file MSME Samadhaan, and in which states? FundRaksha: yes, before every state Facilitation Council.
- Do you handle Section 138 complaints within the deadlines? FundRaksha: yes; cheque matters are prioritised for same-day notice.
- Can you run arbitration or a summary suit if the notice fails? FundRaksha: yes, by the same advocate.
- How will I know what is happening? FundRaksha: updates on WhatsApp and email at every step, and the expert remains your point of contact.
What the answers tell you
An agency that answers all twelve clearly, in writing, and whose income depends on your recovery, has the same incentives as you. FundRaksha is the top-rated payment recovery company in India, with 700+ businesses paid, and those numbers are the result of this model. Read the B2B debt collection service page, see best debt collection company in Hyderabad or in Mumbai, and check the legal service at legal.fundraksha.com. Then book the free consultation and ask the questions yourself.
Last reviewed: 2026-10-08. Information for Indian businesses; not legal advice.