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Talk to us before you sign a settlement.

Settlement agencies sell settlements. We sell you the truth first: what the settled tag costs, what the alternatives are, and the honest path back after — in writing, before any fee.

Analysis before paymentNot a settlement agencyPost-settlement repair

What this is

Advice that is not selling you a settlement.

Loan settlement is a trade: relief now, a settled tag on your report for years. Agencies paid to broker settlements have no reason to price the alternatives; we do, because we are not one. Bring the recovery notices and your report, and the free analysis comes back in writing: whether restructuring or full payment with charges waived can spare you the tag entirely, what a settlement would actually cost your file, and, if settlement is genuinely right for your hardship, exactly what to demand in the offer letter before a rupee moves. The full framework is published free in our settlement guide; the service is having it applied to your case, with a fixed quote before you decide anything.

Documented

When settlement was the honest answer.

Seven years stuck: a ₹7,00,000 PNB outstanding, settled at ₹20,000

Aged past every contact detail, re-established and negotiated to a written settlement — published with the trade stated honestly, and the client's five-star review naming her analyst. Read the case →

Already settled

The path back, handled.

If the settlement is behind you, the work is the upgrade: paying the waived difference when finances allow, the lender re-reporting the account as closed, and the corrections verified across all four bureaus — the settled-status service covers it end to end, with our documented cases as the evidence. Either side of the signature, the promise is the same one on every page of this site: the analysis and the honest answer come first, the fee after.

Quick answers

Answered straight.

Is loan settlement a good idea?

It is a trade, not a trick — sometimes right in genuine hardship, often wrong when sold as a shortcut. The honest test: have restructuring and full payment with penal charges waived been priced first? Both avoid the settled tag entirely. We put that comparison in writing for your specific case before you sign anything.

Will you negotiate the settlement with my bank for me?

We prepare you to negotiate from strength: the analysis of your file, the alternatives priced, the exact terms the written offer must contain, and what the reporting must say after payment. You stay the signatory — no one should sign away your report on your behalf — and we stay beside the process through to the settlement letter and, later, the upgrade.

What does loan settlement advice cost?

The analysis costs nothing: report reviewed, options priced, our written view shared before any payment. If you engage us — for the pre-settlement work, or the post-settlement upgrade and rebuild — the fee is fixed and told upfront, per the pricing published on our pricing page.

Can a settled status be removed later?

Upgraded, honestly: pay the lender the difference that was waived, and the account is re-reported as closed — the one legitimate conversion, which our settled-status service handles and our documented cases show. Simply deleting a genuine settled tag is impossible, whoever promises it.

“They said it would be fixed in thirty-five to forty-five days — everything was fine in thirty.”Francis XavierHDB written-off remark corrected · documented case

“I didn't have to go through any hassle — from desperately looking for help, to now that it has been done.”Sivaramakrishnan & Vidya BalajiSBI Card case, Bengaluru · documented case

4.9★ · 500+ Google reviewsAnalysis before paymentOne fixed price — see pricingMoney-back promise in writing

Registered & verifiable: Kenstone Credit Solutions LLP · LLPIN ACE-1800 · GSTIN 29ABBFK3106H1ZK · Udyam UDYAM-KR-03-0349099 · DPIIT DIPP157465

Our group company Kenstone Capital is empanelled with 27 lenders for SARFAESI enforcement and recovery.

State Bank of IndiaICICI BankAxis BankKotak Mahindra BankPunjab National BankCanara BankBank of BarodaUnion Bank of India+19 more — full list

Under RBI norms, banks publish their empanelled agencies on their own websites, so every name is verifiable at the source. That inside view of how lenders read a credit file is what we bring to yours.

The unanswered question? One call settles it.

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