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Harassment Protection Shield

Are you facing relentless and abusive calls from debt recovery agents? 

You have legal rights. 

We provide a professional and legal shield to stop illegal recovery harassment and manage all communication with your creditors. 

Our service is the first step toward a respectful, legal resolution of your debt.

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*WE DO NOT PROVIDE LOAN

Recognizing ILLegal Harassment

Understanding your rights under the Reserve Bank of India (RBI) Fair Practices Code is key. 

We protect you from the following illegal tactics:

Calls Outside Hours

Agents can only call between 7:00 AM and 7:00 PM.

Abusive Language

Agents must maintain decency and professionalism.

Threats & Intimidation

No threats of arrest, property seizure (for unsecured loans), or public shaming.

Contacting Third Parties

Agents cannot discuss your debt with your family, friends, neighbors, or employer.

Lack of
Identification

Agents must carry and present a valid ID and authorization letter from the bank.

Harassment Protection Service:
Your Legal Shield

Our service immediately puts a professional, legally-backed barrier between you and your creditors, allowing you to focus on resolving your debt without fear.

Immediate Legal Authorization

The moment you enroll, we send a formal, legal notification to your creditors, stating that SML is your Authorized Representative. This redirects virtually all communication, including calls and recovery visits, to our professional team. This is your immediate harassment shield.

Professional Communication Management

Our experienced case managers and paralegal team take over all correspondence. We document every call and interaction, ensuring professional conduct and absolute compliance with all Indian legal and RBI guidelines.

Action Against Violations

If an agent breaches the RBI guidelines (e.g., calling after 7 PM or using abusive language), we take swift action: Documentation: We help you record the incident details for evidence. Complaint Filing: We assist you in filing a formal, documented complaint with the bank's internal Grievance Redressal Officer and, if necessary, with the Banking Ombudsman.

Our End-Goal: A Structured Debt Settlement

The harassment service is not a temporary fix; it’s the first step in a strategic plan to resolve your debt permanently.

  • From Harassment to Negotiation: With harassment under control, we undertake the strategic process of loan settlement. We leverage your financial hardship to negotiate a reduced, lump-sum payment with your creditors.
  • Preventing Future Harassment: A successful, documented settlement, resulting in a No Dues Certificate (NDC), permanently removes the debt and eliminates any legal basis for future collection attempts.
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Track Your Peace of Mind:
The SML Mobile App

Stay informed without the stress. Our advanced mobile app gives you complete transparency over the process:

  • Communication Log: View real-time logs of all creditor calls and our responses.
  • Case Status: Track the progress of your negotiations and complaint resolutions.
  • Secure Document Upload: Easily share documentation needed for filing complaints or for the settlement process.

Ready to Stop the Harassment?

Don’t let illegal collection tactics control your life. Take the first step toward a resolution.

01.

Book a Free Consultation

02.

Tell Us Your Story

03.

SML Takes Over

04.

We Manage All Creditor Communications

05.

Achieve Settlement

06.

Start Your Path to Debt Free Living

Disclaimer: SML does not guarantee an immediate stop to all calls, as it takes time for banks to update records.
However, we guarantee that all communications will be professionally managed and any harassment will be actionable under legal guidelines.