Debt Settlement Services – Settle Your Debt, Reclaim Your Peace of Mind
Settlements & Foreclosures
Reduce Your Debt Legally with Expert Negotiation
Mounting loan EMIs, unpaid credit card bills, and rising interest charges can quickly spiral out of control. We offer professional, legal, and personalized debt settlement services to help eliminate overwhelming debt without bankruptcy, harassment, or confusion.
As a trusted debt or loan settlement company serving clients across India, we negotiate directly with banks, NBFCs, and credit card issuers to reduce your debt burden often by up to 60%.
At CDEF Debt, we understand that sometimes traditional repayment plans aren’t the answer. That’s why we offer a range of debt solutions, including settlements and foreclosures, to help you achieve financial freedom.
Our Debt Settlement Services Include
A debt settlement is an agreement with your lender to pay back a portion of your debt, with the remaining balance forgiven. This can be a powerful tool to escape the burden of overwhelming debt.
Here’s how we can help:
Negotiate Favorable Settlements
Our experienced financial advisors and advocates work tirelessly to negotiate settlements that best suit your circumstances.
Settlement Options
We explore various settlement options, including one-time payments, terms with or without credit score impact, and moratorium periods to delay payments.
Stop the Debt Cycle
The sooner we reach a settlement, the sooner you stop accruing interest and collection fees. This also reduces creditor harassment and potential legal action.
Important Considerations
Settlement Success
While we strive for the best outcome, settlements depend on lender policies. We'll assess your situation and determine if settlement is a viable option.
Credit Score Impact
Debt settlements can impact your credit score. However, in many cases, we can negotiate settlements that minimize or avoid negative marks.
Transparent Fees
We don't charge upfront fees. You only pay us when we secure a successful settlement letter.
Protecting Your Interests
Our legal team meticulously reviews your settlement letter to ensure it aligns with the agreed-upon terms and protects you from future claims.
What is Debt Settlement?
Debt settlement is a legal process where we negotiate with your lender to close your loan or outstanding dues by paying a reduced amount in a one-time settlement.
This option is ideal when:
- You can no longer afford regular EMIs
- You're facing job loss or an income drop
- Creditors are sending legal notices
- You're being harassed by collection agents
Debt settlement plans are especially helpful for unsecured debts such as personal loans and credit cards.
Why Choose CDEF Debt as Your Loan Settlement Company?
Proven Track Record
Thousands of clients have successfully closed loans and credit card debts through our structured settlement approach.
RBI-Compliant and Legal Process
Our debt settlement services are conducted ethically and in line with Indian financial regulations. We do not use shortcuts or illegal practices.
Strong Lender Network
We have working relationships with major banks, NBFCs, and fintech platforms, giving us the leverage needed to negotiate debt settlement in your favor.
Confidential and Professional Service
Your privacy is our priority. All negotiations and settlements are handled discreetly by experienced professionals.
End-to-End Support
From first consultation to final NOC (No Objection Certificate), we're with you every step of the way.
How Debt Settlement Works at CDEF Debt
Free Consultation & Financial Review
We assess your current debts, income and financial hardship to see if you're eligible for settlement.
Custom Debt Settlement Plan
Based on your case, we propose a practical debt settlement plan and start negotiating with your lenders.
Negotiation & Offer Finalization
We handle all communication with creditors to secure the best possible reduced payoff amount.
Payment & Closure
Once agreed, you make the negotiated payment, and we ensure all paperwork is complete, including NOC and settlement letters.
Foreclosure
Time-Barred Debt
Our team can also determine if your debt has reached the time-barred stage, meaning legal action to collect is no longer possible.
Taking Control of Your Debt
Don't let debt control your life. CDEF Debt offers a comprehensive range of solutions to help you achieve financial freedom.
Frequently Asked Questions (FAQs)
Business debt solutions are structured strategies to help companies reduce, restructure, or settle their financial liabilities through legal negotiation, loan restructuring, or creditor mediation.
We help all types of businesses, including startups, SMEs, MSMEs, and family-run enterprises facing financial strain due to unpaid loans, vendor obligations, or operational debt.
Business debt settlement involves negotiating with banks, NBFCs, and private lenders to close outstanding loans or dues at a reduced amount through a one-time payment or structured plan.
Yes. Business debt settlement is a legal and widely used option. We ensure all negotiations are compliant with RBI guidelines and fully documented.
Absolutely. We specialize in small business debt solutions, especially for startups impacted by market shifts, funding gaps, or post-pandemic challenges.
Yes. We assist in negotiating with lenders to recover from NPA status through restructuring or settlement, depending on your business's financial standing.
No. Our solutions are designed to save and support ongoing business operations. Our goal is to help you recover, not close.
Yes. We offer business debt management services, including consolidation for easier tracking and repayment.
We work with all financial institutions, including private lenders, NBFCs, fintech platforms, and traditional banks, to bring complete resolution.
Yes. We also mediate with vendors and suppliers to restructure payment terms and preserve business relationships.
No. Our services are confidential, and we handle negotiations discreetly to protect your company's reputation.
Most businesses settle between 30% to 60% of the total outstanding. Actual results depend on debt age, type, and your financial condition.
Ignoring debt can lead to lawsuits, asset seizures, NPA classification, or even business closure. The sooner you act, the more solutions are available.
Yes. If your goal is to continue payments over time, we can work with your lender to restructure the loan, reduce EMIs, or extend the tenure.
We do not perform collections but mediate with recovery agents and handle legal threats by protecting you through structured negotiations.
Most cases are resolved within 3 to 6 months, depending on the number of creditors and the situation's complexity.
Call us or fill out our online form. We offer a free consultation to assess your business's financial position and propose the best debt relief strategy.
Contact us today for a free consultation! We’ll assess your situation and recommend the best path forward, whether it’s settlement, foreclosure, or another strategy.
