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Loan repayment trouble
Missed EMIs on personal, business or consumer loans? We help you understand your options before the situation escalates, and work towards a plan your lender can accept.
Loan resolution · Credit card dues · Recovery harassment
Behind on EMIs? You don't have to face the calls alone.
CounselBridge connects borrowers in genuine financial hardship with experienced advisors and legal professionals who help you understand your rights, deal with recovery agents, and work towards a realistic repayment plan with your lender.
- Confidential first consultation
- Guidance grounded in RBI fair-practice norms
- No upfront promise of waivers — just an honest plan
Call Shield
How we handle harassment calls
Recovery agents must follow RBI's fair-practice rules. When they don't, Call Shield puts a trained professional between you and the caller.
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Enrol
Sign up for Call Shield after a short consultation about your loans and the calls you receive.
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Get your shield number
We assign you a dedicated forwarding number managed by our team.
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Forward the calls
We help you set up call forwarding for numbers that are harassing you.
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We take the call
Our trained staff answer, log the call, and keep the conversation within the rules.
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Escalate when needed
Abusive or unlawful conduct is documented and escalated to the lender's grievance officer and, where needed, the RBI Ombudsman.
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Resolution runs in parallel
Meanwhile, your loan resolution advisor keeps working on a repayment plan with the lender.
Loan resolution
Six steps from stress to a settled plan
01
Assess
We review your loans, income and hardship to check whether resolution is the right route.
02
Enrol
You sign a clear service agreement with a fixed monthly fee — no hidden charges.
03
Build a fund
You set aside what you realistically can each month towards a repayment offer.
04
Negotiate
Our advisors present your hardship case and a repayment proposal to each lender.
05
Get it in writing
Only the lender can approve a plan. You pay the lender directly after receiving their written confirmation.
06
Move on
Collect your closure letter from the lender and start rebuilding your credit.
What we help with
Services
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Credit card dues
Paying only the minimum due while interest snowballs is a trap. We review your cards, explain the real cost, and help you approach the issuer with a structured proposal.
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Recovery harassment
Calls at odd hours, threats, or calls to your family and workplace are not acceptable. We help you document, respond and escalate through the right channels.
About CounselBridge
A bridge between borrowers and lenders
Debt rarely happens because people don't want to pay. A job loss, a medical emergency or a business setback can turn manageable EMIs into an impossible stack overnight — and the recovery process that follows can be frightening.
CounselBridge brings together financial advisors and legal professionals who help borrowers respond calmly and lawfully: understand what they owe, know their rights, stop unlawful harassment, and negotiate repayment terms that are actually achievable.
Know your rights
Under RBI guidelines on fair practices and recovery agents, in broad terms:
- Recovery calls should be made only during reasonable hours, generally between 8 am and 7 pm.
- Agents must not use threats, abusive language or intimidation.
- They should not contact your family, friends or colleagues to shame or pressure you.
- You can complain to the lender's grievance officer, and escalate to the RBI Ombudsman if not resolved.
This is general information, not legal advice. Talk to an advisor about your specific case.
Questions
Frequently asked
Can you get my loan waived?
No. No one can promise a waiver. Any reduction or repayment plan is entirely at the lender's discretion. We help you present your case and negotiate, but the final decision is the lender's.
Will you collect my repayment money?
No. You always pay the lender directly, and only after you receive their written confirmation of the agreed plan. Our only charge is the service fee in your agreement, paid through official CounselBridge payment links.
Will this affect my credit score?
A settled or restructured account can affect your credit history. We explain the trade-offs before you decide, so you can choose with full information.
Who is this service for?
Borrowers facing genuine financial hardship who cannot keep up with their repayments. If you can repay in full, you should — we'll tell you honestly if resolution isn't right for you.
Is my information kept confidential?
Yes. Your details are used only to assess and handle your case, as described in our Privacy Policy.
Take the first step today.
A free, confidential conversation can change how the next few months feel.
Request a callback