B2B payment recovery ke paanch stage hain: (1) formal written reminder, (2) advocate ka legal notice, (3) negotiation aur likhit settlement, (4) legal filing: MSME Samadhaan, Section 138, summary suit ya arbitration, aur (5) award ya decree ka execution. FundRaksha ke 60% case stage 2 ya 3 par hi khatam ho jaate hain. Har stage me Limitation Act ki 3 saal ki limit ka dhyan rakhein.
Stage 1 aur 2: reminder aur legal notice
Pehla reminder formal ho: invoice, amount, due date, payment ki last date. Buyer se ledger confirm karwayein. Jawab na aaye to legal notice. Notice me contract, invoices, byaj aur aage ke kanooni kadam likhe hote hain.
FundRaksha 24 ghante me e-notice aur registered post bhejta hai. Notice kaise likha jaata hai, legal notice kaise bheje me padhein.
Stage 3: negotiation aur settlement
Notice ke baad buyer aksar baat karta hai: discount maangta hai, installment chahta hai, ya dispute uthaata hai. Yahan teen niyam:
- Har settlement likhit me, date aur amount ke saath
- Ek installment miss to poora balance due
- Byaj ki chhoot sirf poore payment par
Stage 4: kaunsa legal rasta kab
| Situation | Rasta | Khaas baat |
|---|---|---|
| Udyam micro ya small supplier | MSME Samadhaan | Council target 90 din, appeal ke liye 75% jama |
| Cheque bounce | Section 138 NI Act | 2 saal tak saza ya do guna fine |
| Saaf invoice aur written order | Summary suit | Buyer ko leave to defend leni padti hai |
| Contract me arbitration clause | Arbitration | Award decree ki tarah lagu |
Ek se zyada raste saath bhi chal sakte hain, jaise ek bounced cheque ke liye 138 aur baaki balance ke liye Samadhaan. Samadhaan ki detail yahan.
Stage 5 aur pressure points
Award ya decree milne ke baad bhi buyer na de to execution: bank account ya property attach karwaana. Iske alawa do pressure points har stage par kaam aate hain:
- Income-tax s.43B(h): MSE supplier ko late pay karne waala buyer wo kharcha tab tak deduct nahi kar sakta jab tak pay na kare.
- GST: 180 din me payment na karne par buyer ko ITC reverse karna padta hai.
Koi upfront fee nahi, 30% sirf recovery par. Free consultation me apna stage aur rasta jaanein. Hinglish me aur guides: paisa nahi de raha, bina court paisa kaise nikale. English: B2B debt collection.
Last reviewed: 2026-10-08. Information for Indian businesses; not legal advice.