Money Recovery & Financial Disputes
Structured, evidence-first recovery of what you are owed.
What this engagement covers
Money Recovery & Financial Disputes, End-to-End.
Recovery of unpaid loans, dishonoured cheques, partnership dues and supplier balances — combined with defence in SARFAESI, DRT and NCLT proceedings. We move fast on evidence preservation, demand-notices and interim attachments where assets are at risk.
Our process
From First Call to Final Order
Confidential Intake
30-min discovery call on phone or Zoom. We confirm scope, urgency and fee on the same call.
Diligence & Strategy
Document review, record retrieval and a written strategy note — including timeline, risks and milestones.
Documentation & Filing
Drafting, apostille, Power of Attorney, registration and filing handled end-to-end by a named matter lead.
Representation
Court, tribunal, registrar or counterparty representation — with weekly written updates across time-zones.
Closure & Handover
Final order, registered deed or settlement, plus a sealed matter file and post-closure compliance calendar.
Why IndusGuard
Built for Matters That Cross Borders
One named matter lead
No call-centre, no hand-offs. A senior advocate owns your file end-to-end.
NRI desks across 8 countries
Overlapping US, UK, Gulf and APAC hours — apostille and POA built into every workflow.
Weekly written updates
Plain-language progress notes, secure document portal and milestone-based fees.
Pan-India bar coverage
Empanelled counsel across High Courts, NCLT, DRT and the Supreme Court of India.
Where we serve
A Global NRI Desk, Anchored in India.
We act for clients across 8+ countries and represent matters in every major Indian jurisdiction — High Courts, NCLT, DRT and the Supreme Court.
- United States
- Canada
- United Kingdom
- UAE
- Australia
- Singapore
- Germany
- Saudi Arabia
- Kolkata
- Mumbai
- Delhi NCR
- Bengaluru
- Chennai
- Hyderabad
- Pune
- Pan-India
Common questions
Before You Call
How can an NRI recover money owed by a person or company in India?+
The primary legal routes are: a cheque bounce complaint under Section 138 of the Negotiable Instruments Act if payment was by cheque; a summary suit under Order XXXVII of the CPC for acknowledged debts; a civil suit for recovery; or an IBC application under Section 7 (financial creditor) or Section 9 (operational creditor) for debts above Rs. 1 crore. The chosen route depends on the nature of the debt, the amount, and the debtor's solvency.
What is a cheque bounce case and how does it work for NRIs?+
A cheque bounce case under Section 138 of the Negotiable Instruments Act is a criminal complaint that can be filed within 30 days of the legal notice period expiring. The drawer of the dishonoured cheque faces up to 2 years imprisonment and a fine up to twice the cheque amount. NRIs can file complaints through an advocate in India under a Power of Attorney.
What is SARFAESI and how does it affect NRI borrowers?+
SARFAESI (Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act 2002) allows banks and NBFCs to take possession of secured assets without a court order when a borrower defaults. NRI borrowers with secured loans in India can challenge SARFAESI actions before the Debt Recovery Tribunal (DRT) within 45 days of the possession notice. The DRT can grant a stay on enforcement.
Can an NRI creditor initiate insolvency proceedings against an Indian company under IBC?+
Yes. Foreign creditors are not excluded from filing insolvency applications under the IBC. A financial creditor (Section 7 application) or operational creditor (Section 9 application) that is a foreign entity can file before the NCLT. The minimum threshold is Rs. 1 crore for corporate insolvency proceedings.
What is the limitation period for filing a money recovery suit in India?+
Under the Limitation Act 1963, a simple money recovery suit must be filed within 3 years from when the right to sue accrues (typically the date of default or demand). For suits on a bond or mortgage, 12 years. Missing the limitation period bars the suit entirely, making early legal action essential.
Related practices