Service
Debt Recovery & Receivables Management
Systematic, multi-tiered recovery of delinquent corporate receivables and overdue commercial claims through debtor profiling, structured escalation protocols, and pre-legal and judicial enforcement.
Commercial credit delinquency requires a disciplined, multi-channel strategy that bridges financial reconciliation with decisive statutory pressure. We assist corporate creditors, trade suppliers, and financial institutions in converting aged, unresponsive debtor accounts into realized capital.
Our framework covers both pre-litigation engagement (statutory demand notices, direct executive-level dialogues, and dispute reconciliation) and legal recourse under summary suit proceedings, MSME Samadhaan escalation, Section 138 NI Act notices, and IBC Section 8/9 demand protocols.
Who this is for
- Corporate enterprises and trade suppliers carrying overdue B2B receivables and sticky trade debits.
- Financial institutions, NBFCs, and credit funds seeking systematic recoveries without destroying commercial relationships.
- MSME suppliers seeking statutory interest and recovery mandates under the MSMED Act.
- CFOs and Credit Control heads requiring institutional portfolio triage and limitation-protected collection strategies.
Core operational coverage
- Comprehensive ledger aging analysis, limitation auditing, and debt collectability ranking.
- Pre-litigation formal demand notices with statutory interest computations.
- Multi-tier escalation management balancing commercial settlement incentives with credible legal deterrence.
- Transitioning recalcitrant debtors into enforceable settlement deeds or formal court proceedings.
What’s included
- Comprehensive portfolio aging, limitation audit, and recovery viability assessment
- Drafting and service of formal statutory legal demand notices and letters before action
- Structured debtor outreach, commercial reconciliation, and escalation management
- MSME Samadhaan dispute filing, conciliation representation, and arbitration coordination
- Section 138 Negotiable Instruments Act notice drafting and dishonoured cheque proceedings
- Commercial Summary Suit preparation under Order XXXVII of the Code of Civil Procedure
- Secured and unsecured asset recovery enforcement across multiple jurisdictions
- Real-time ledger tracking, structured recovery reporting, and post-recovery closure documentation
How it runs
Portfolio Diagnostic & Limitation Review
Analyzing invoices, ledgers, acknowledgment of debt, and limitation periods under the Limitation Act 1963.
Pre-Legal Escalation & Demand Notice
Issuing formal advocate notices asserting full contractual debt, statutory interest, and immediate escalation terms.
Structured Dialogues & Commercial Closure
Conducting structured creditor-debtor conferences to secure immediate full payment or binding settlement deeds.
Legal Enforcement & Execution
Mobilizing summary suits, commercial court filings, or insolvency demand protocols where voluntary compliance fails.
FAQs
What is the statutory limitation period for commercial debt recovery in India?
Under the Limitation Act 1963, the statutory limitation period for filing a commercial debt recovery suit is generally three years from the date the invoice fell due or from the date of the last written acknowledgment of debt or part-payment under Section 18 and 19. Acting early ensures limitation rights remain fully protected.
How does the MSMED Act accelerate receivables recovery for registered suppliers?
Registered MSMEs benefit from mandatory 45-day payment caps under Section 15 of the MSMED Act. Default triggers statutory compound interest at three times the RBI bank rate. Claims can be referred to the Micro and Small Enterprises Facilitation Council (MSEFC) for swift conciliation and binding arbitration.
Can recovery proceed if the debtor disputes the quality of goods or services?
Debtors often fabricate post-facto disputes once formal recovery starts. We audit all purchase orders, delivery challans, tax invoices, and historical correspondence to establish acceptance of goods, neutralize vexatious counterclaims, and preserve clean summary suit remedies.
Ready to talk about Debt Recovery & Receivables Management?
A 30-minute conversation is usually enough to establish where you stand and what it will take.