Record before you react
For every call or visit: date, time, number or name of the person, what was said, and what was demanded. Save SMS, WhatsApp, emails, and letters as they arrive. This record is your evidence of conduct — from you and from them.
Never evade lawful communication from your lender. Silence makes everything harder; a calm written reply keeps the door open.
Move the conversation to writing
A short reply — 'Please put your request in writing with account details so I can respond accurately' — changes the texture of the exchange. Written communication is slower, clearer, and reviewable. That is exactly what you want under pressure.
- Acknowledge that you received the message
- State that you will respond in writing
- Ask for the specific amount, breakup, and timeline they rely on
- Keep copies of everything you send
What not to do
Do not make promises on the phone you cannot keep. Do not share card or UPI credentials with anyone claiming to 'close the account'. Do not destroy messages or notices — they may matter later. And do not treat a recovery call as a legal order; demands and adjudications are different things.
When to get help
If calls turn to threats, if someone claims to be an official authority without identification, or if you receive a court or tribunal notice, stop improvising. Document everything and book a consultation — that is precisely the situation this process exists for.
Important
This is general guidance, not legal advice or a quotation. Every situation is different — the free consultation is where yours gets specific attention.
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