What we do
Services designed for distressed borrowers
Every service is built around a single principle: settle with dignity, and with the law on your side.
Personal Loan Settlement
Settle personal loans with up to 60% waiver
If you're struggling to pay your personal loan EMIs due to job loss, medical emergencies, or business losses, Debtrix can help you negotiate a settlement with your lender.
Learn more →Credit Card Settlement
Clear credit card debt with a manageable lump sum
Credit card debt can quickly spiral out of control with high interest rates and late fees. We negotiate with banks to reduce your outstanding balance to a one-time payment.
Learn more →Home Loan Settlement
Resolve home loan distress without losing your property
Home loans are typically secured, meaning the property is at risk. We provide specialized guidance to either restructure your home loan or negotiate a settlement that protects your asset.
Learn more →Vehicle Loan Settlement
Settle auto loans without losing your vehicle
Vehicle loans carry a higher risk of repossession. We help you negotiate settlements that allow you to retain your vehicle registration while clearing the loan on favorable terms.
Learn more →Education Loan Settlement
Resolve education loan dues with expert negotiation
Education loans often involve international lenders and can be complex. We specialize in resolving education loan dues, including NRI cases, with proper documentation and legal support.
Learn more →Business Loan Settlement
Resolve business loan stress with professional support
Business loans often involve complex structuring and personal guarantees. We help business owners navigate settlement negotiations while protecting personal assets where possible.
Learn more →App & BNPL Loan Settlement
Clear Buy-Now-Pay-Later and app-based loan dues
Digital lending apps and Buy-Now-Pay-Later platforms have proliferated, creating multiple small dues that compound quickly. We help you consolidate and settle these efficiently.
Learn more →NBFC Loan Settlement
Resolve Non-Banking Financial Company dues
NBFCs operate under different guidelines than banks and can be more aggressive in recovery. We specialize in negotiating with NBFCs using RBI regulations and proper documentation.
Learn more →Gold Loan Settlement
Resolve gold loan dues while protecting your pledged asset
Gold loans are secured against physical gold. We help you either retrieve your pledged gold through restructuring or negotiate a settlement that returns a portion of your gold while clearing dues.
Learn more →Credit Score Improvement
Rebuild your credit after settlement or stress
Debt settlement impacts your credit score, but it can be rebuilt. Our credit score improvement program helps you understand and improve your CIBIL score after settlement.
Learn more →Flagship
Anti-Harassment Service (AHS)
Our flagship Anti-Harassment Service uses a unique call-forwarding number to intercept recovery calls, document violations, and intervene where necessary — all backed by RBI guidelines.
Legal protection
Lawyer Intervention Service (LIS)
When recovery agents visit your home or workplace, our panel advocates intervene on your behalf, documenting violations and providing legal protection.
Delhi, Noida, Gurgaon, Ghaziabad, Faridabad
LIS is available in Delhi NCR only. Travel times may vary based on location and traffic conditions.
LIS details & RBI compliance checks →