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Sometimes, repaying your entire loan with interest and penalties isn’t financially possible — especially if you're facing job loss, medical emergencies, or prolonged defaults. At Loanifyr.com, we offer a One-Time Settlement (OTS) strategy where we legally negotiate with banks or NBFCs to settle your loan for a significantly reduced amount — closing the account permanently and helping you move forward.
Our legal and financial experts handle everything — from analysis to negotiation and final documentation — so you can get out of debt legally, ethically, and without harassment.
Our One-Time Settlement strategy is structured, lawful, and customized to your financial
situation.
🕵️ Evaluate your total overdue, penalties, and payment capacity
📊 Build a strong legal and financial case for settlement
📝 Negotiate directly with banks or NBFCs for a reduced amount
📄 Get the final agreement in writing with bank seal & signature
📃 Help you obtain a Settlement Letter and NOC
📈 Support your CIBIL score rebuilding post-settlement
Benefits of OTS:
Legally close your loan for less than the outstanding balance
Stop further interest and recovery agent harassment
Avoid legal escalation or property seizure
Regain peace of mind and financial clarity
Review your credit card/loan statements and overdue history
Calculate exact penalties, interest, and principal
Prepare all legal documents for lender negotiation
Speak directly with your bank, NBFC, or recovery agency
Present a strong legal case for one-time or reduced settlement
Ensure a legally binding agreement with the lender
Stop recovery agent harassment within 48 hours
Help you obtain a Settlement Letter & NOC
Guide you on CIBIL repair and financial rebuilding
👨💼 Rahul's Recovery — A young professional from Mumbai was ₹3.2 lakhs overdue across 4 credit cards. After months of recovery calls and legal notices, he approached Loanifyr. We negotiated a one-time settlement of ₹1.4 lakhs and stopped further legal action within 7 days.
👩💼 Pooja’s Peace — An HR manager from Pune faced mental distress due to multiple EMI defaults and agent visits at home. Our legal team intervened, negotiated her ICICI & HDFC card dues, and helped her receive legal NOCs within 60 days.