DEBT RESTRUCTURING,
SETTLEMENT &
NEGOTIATION

Debt Restructuring, Settlement & Negotiation

Strategic Financial Relief

Facing overwhelming debt—whether as an individual or a company—requires more than just financial relief; it demands a strategic legal approach to secure your future stability. Our advocates are experts in the art of negotiation and financial restructuring. We work proactively to resolve delinquent debt for substantially less than the full amount owed (40-70% debt reduction), always tailored to your specific financial situation and market context.

The Lion Law Advantage in Financial Stress

Our experienced team provides the strategic counsel necessary to navigate complex debt situations, offering a clear path out of financial distress.

Proven Negotiation Skills

We have a successful track record of restructuring and settling accounts for both individual clients and corporate entities, maximizing relief while minimizing long-term risk.

Customized Solutions

We move beyond standardized processes, ensuring every negotiation and settlement plan is specifically harmonized with your unique financial structure and business continuity goals.

Zero Tolerance for Harassment

We provide immediate relief from aggressive and unauthorized recovery tactics. Our team takes decisive action against creditor harassment by issuing formal legal notices and engaging regulatory authorities to protect your dignity and peace of mind.

Accountability via 'No Win, No Fee' Support

In cases where illegal recovery practices have caused measurable financial or mental distress, we offer 'No Win, No Fee' legal support to pursue damages. We hold creditors accountable for unauthorized practices, ensuring you can seek justice and compensation without an upfront financial burden.

Our Comprehensive Debt Relief Services

We provide focused legal support across the entire spectrum of debt relief, ensuring strict compliance with RBI guidelines, the Insolvency and Bankruptcy Code (IBC), and relevant financial regulations.

I. Corporate Restructuring & Relief

We guide stressed corporate bodies, including MSMEs, through complex restructuring processes caused by business losses or external financial pressure.

  • RBI Compliant Restructure: Representing companies in approaching Banks/NBFCs for One-Time Restructure (OTR) under current regulatory windows.
  • Strategic Debt Adjustment: Devising sustainable turnaround plans by analyzing balance sheets to restore long-term profitability.

This is the process of resolving delinquent debt by negotiating a substantial lump sum payment in lieu of the original EMI schedule or principal amount.

  • Lump Sum Settlement: Strategically negotiating the required settlement amount to significantly reduce your total liability.
  • Creditor Liaison: Handling all communications and legal paperwork with banks, financial institutions, and other creditors, protecting you from harassment and legal missteps.

When restructuring is no longer viable, we provide expert guidance through the formal insolvency process to provide a fresh start.

  • Corporate Insolvency (IBC): Navigating the Insolvency and Bankruptcy Code (IBC) for corporate debtors, including representation before the NCLT (National Company Law Tribunal).
  • Personal Bankruptcy: Advising individuals on the legal pathways to declare insolvency, ensuring the process is handled with dignity and legal precision to protect remaining essential assets.

Defending your right to your property against aggressive recovery actions.

  • Property Repossession Defense: Taking immediate legal action to stay or contest the repossession of residential or commercial property.
  • SARFAESI Act Representation: Challenging notices under the SARFAESI Act (Section 13(2) and 13(4)) to prevent illegal seizures and public auctions of your assets.
  • Securitization Appeals: Filing appeals before the DRT (Debts Recovery Tribunal) to protect your rights against wrongful bank actions.

Don’t let financial stress dictate your future. Lion Law provides the legal and negotiation expertise to achieve a clean financial reset.