How to Deal with Credit Card Debt Collectors in India: A Complete Guide
Credit card debt can feel overwhelming. By May 2025, 11.11 crore credit cards are active in India, among which ₹6,742 crore are defaults and ₹2.9 lakh crore are outstanding debt. With rising defaults, the stress levels of debtors rise as calls from credit card debt collectors start. Many credit card debtors use emotionally-exhausting tactics, borderline […]
The RBI Won’t Save You, But This Will: 4 Steps to Crush Credit Card Debt
The Post-Festive Reality Check The lights of the festival are gone, the wedding season is winding down, but the financial hangover is just beginning. For millions of Indians, December isn’t just about holidays; it’s about the dread of opening that credit card statement. If you are staring at a bill that is higher than your […]
Is Unlocking Credit Report Needed for a Soft Pull? Soft vs Hard Explained
Credit checks in India witnessed a 51% rise in just one year, with about 119 million Indians actively monitoring their CIBIL scores by 2024. If you have checked your credit score to either apply for a credit card or receive a pre-approved loan offer, you may have come across the term credit inquiry. A common […]
Debt Isn’t a Crime: Your 3 Non-Negotiable Consumer Rights
Did You Know: Financial stress is currently cited as the number one cause of sleep deprivation among working professionals in India. If you’re reading this, you likely know that feeling: a suffocating knot in your chest that tightens every time your phone buzzes. You know the panic of wondering if today is the day a […]
Is the Debt Crisis a Human Rights Issue?
Did You Know: “India’s personal & MSME debt is a growing concern: ₹30 trillion in personal debt and a staggering ₹70 trillion in MSME debt”. When we think of Human Rights Day, our minds often drift to global headlines about freedom of speech, the right to vote, or protection from conflict. But there is a […]
How Legal Intervention and Debt Management Saved a Chennai Professional from Financial and Emotional Overload
The outstanding amounts of the loans as of December 2023. Which is roughly 1.83 Crores and the whole debt was settled for 50.65 Lac with an Average Settlement Amount of 5.06 Lacs and an average discount of 72.39%. × Challenge A Chennai-based professional, who was supporting his family, found himself overwhelmed after a failed business […]
How Structured Debt Management Transformed a Bangalore Entrepreneur’s Pandemic Crisis
The outstanding amounts of the loans as of December 2023. Which is roughly 1.83 Crores and the whole debt was settled for 50.65 Lac with an Average Settlement Amount of 5.06 Lacs and an average discount of 72.39%. × Challenge An entrepreneur (name confidentiality) based in Bangalore, faced a severe financial downturn when the COVID-19 […]
क्रेडिट स्कोर 500 से 700 तक कैसे पहुंचाएं? जानिए कितना समय लगेगा
क्या आप कम क्रेडिट स्कोर के कारण अपने Financial Goals से पीछे रह जाने से परेशान हैं? अगर हाँ, तो अब समय आ गया है कि आप अपनी Credit Health को सुधारें और इसे अपने Control में लें। बहुत सारे लोग यह सोचते हैं कि क्रेडिट स्कोर को 500 से 700 तक ले जाने में […]
Festive Budgeting 2026: Celebrate Dhanteras Without the Debt Hangover
From Dhanteras to Diwali, hearts open and carts fill—right as brands push “zero-cost,” “no‑cost EMI,” and “instant BNPL” offers that look harmless but rarely are. Industry trackers show BNPL usage jumps 25–40% during the Diwali window, average ticket sizes rise 10–18%, and delinquencies tick up in the first post‑festive billing cycles. Easy credit, especially when […]
महीने के अंत का डर: छूटी हुई EMI से होने वाली चिंता और अनिद्रा
लाखों भारतीयों के घरों में हर महीने की 28-29 तारीख़ आते ही एक अजीब-सी बेचैनी होने लगती है यह कोई सुबह का अलार्म नहीं, बल्कि EMI की आखिरी तारीख़ का डर है जो धीरे-धीरे दिल की धड़कनें बढ़ा देता है। पहले EMI का मतलब सिर्फ़ एक भुगतान था, आज यह तनाव और चिंता का दूसरा […]
