How It Works

From submission to settlement — here's exactly what happens when you start your case with Kishtexpert.

STEP 01

Submit Your Case File

Fill out our secure intake form with your personal details, creditor information, outstanding amounts, and any harassment you've experienced. This takes about 5 minutes.

STEP 02

Case Review & Assessment

Our experts review your submission within 24 hours. We assess the total debt exposure, identify harassment violations, and determine the best resolution strategy for your situation.

STEP 03

Harassment Flagged & Escalated

If recovery agents have violated RBI guidelines — calls outside 8 AM–7 PM, threats, contacting family, or unauthorized visits — we formally document and escalate these violations.

STEP 04

Negotiation with Creditors

We enter structured negotiations with your banks and creditors on your behalf. Our goal is to reach a settlement amount that is fair, manageable, and significantly reduced from the original outstanding.

STEP 05

Settlement Offer Presented

Once we secure a settlement offer, we present it to you with a clear breakdown — what you owe, what you'll pay, and the timeline. You approve before anything moves forward.

STEP 06

Closure & Peace of Mind

After settlement is executed, you receive official closure documentation. The debt is resolved, harassment ends, and you move forward with a clean slate.

What Happens After You Submit

Acknowledgment within hours

You'll receive a confirmation that your case has been received and is being reviewed.

Dedicated case handler assigned

A Kishtexpert specialist is assigned to your case and becomes your single point of contact.

Action plan delivered

Within 24–48 hours, you receive a clear action plan outlining next steps, estimated timelines, and what to expect.

Regular updates throughout

We keep you informed at every stage — no radio silence. You'll know exactly where your case stands.

Frequently Asked Questions

Under RBI guidelines, harassment includes: calls before 8 AM or after 7 PM, use of threatening or abusive language, contacting your family members, friends, or workplace without authorization, physical visits to your home or office without prior appointment, and any form of intimidation or coercion to force payment.

Absolutely. Seeking assistance with debt negotiation and settlement is completely legal. Kishtexpert operates as a consultation and advocacy service — we help you understand your rights and negotiate with creditors on your behalf within the framework of Indian law and RBI regulations.

Once we formally flag violations and initiate the escalation process, most recovery agents significantly reduce or stop abusive behavior. However, the exact timeline depends on the creditor and the severity of violations. In most cases, clients see a marked improvement within 1–2 weeks of filing.

No. Submitting your case file and getting an initial review is completely free. We believe in transparency — our fee structure is discussed openly during the case review stage, and you're never charged without clear, prior agreement.

We specialize in unsecured debt — primarily credit card debt and personal loans. We do not currently handle secured debts such as home loans or car loans, as these involve collateral and have different legal frameworks.

The timeline varies depending on the number of creditors, total outstanding amounts, and complexity of harassment cases. On average, straightforward cases are resolved within 2–4 months. Complex multi-creditor cases may take 4–6 months.

Confidential & Compliant

Ready to Start?

Submit your case file now — it takes about 5 minutes and costs nothing.

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