Disclaimer

1Who we are

The Debt Rescuers is a brand of The Debt Rescuers Advisory LLP (LLPIN ADA-7301), A-230 A, Chhattarpur Enclave Phase-II, New Delhi 110074. We are a debt advisory and support platform for borrowers. We help you understand your loans, EMIs, credit report and recovery situation, organise your documents, respond calmly and get the right support, including from independent advocates when you need one.

2We are not a lender

The Debt Rescuers is not a lender, bank, Non-Banking Financial Company (NBFC) or Asset Reconstruction Company (ARC). We do not:

• give loans or credit of any kind;

• buy, take over or collect debts;

• act as a recovery agent for any lender;

• hold or pay money to your lenders on your behalf;

• offer “debt restructuring” or “debt consolidation” as services.

Only your lender can restructure, reschedule, settle or consolidate your loans, and only on its own terms.

3No guaranteed outcomes

WE DO NOT GUARANTEE ANY SETTLEMENT, REDUCTION, WAIVER, LENDER DECISION, STOP TO RECOVERY CALLS OR CREDIT-SCORE OUTCOME.

Every decision about your loan is made by your lender. What is possible depends on your lender, your loan agreement, your account history, your documents and your circumstances. We can help you understand your options and present your situation clearly. We cannot promise what anyone else will decide.

Please be wary of anyone, including anyone claiming to represent us, who promises a fixed result.

4Not legal advice

Information on this website, in our blog, in the Debt Relief Finder, in Rescuer Assist and in general conversations with our team is general information, not legal advice. It is not a substitute for advice from an advocate about your specific situation.

The Debt Rescuers does not provide legal services. Only advocates enrolled with a State Bar Council can give legal advice or represent you. Legal notices are never sent by The Debt Rescuers in its own name.

5Independent advocates

Where your matter needs legal advice or representation, we coordinate with an independent panel advocate who is verified and enrolled with a State Bar Council.

• The advocate is independent of The Debt Rescuers. Their professional duties are owed to you.

• The advocate alone is responsible for the legal advice they give and the legal work they do.

• You will be told the advocate’s name and enrolment number before your consultation.

• We do not advertise, rate or recommend individual advocates on this website, in line with the Bar Council of India rules.

• The advocate professional fee is collected by The Debt Rescuers on behalf of the verified panel advocate assigned to your matter and paid to them in full. It is shown separately on your invoice.

• You remain free to choose your own lawyer at any time.

6Fees

Starting is free. If you’d like a private call, the fee is shared before you book. No fee is charged without you seeing it and agreeing to it first.

7Not financial, investment, insurance or tax advice

We do not recommend or sell investments, insurance, tax products or financial products of any kind. Our Life After Debt programme is education and coaching to help you manage money and stay debt-free. It is not investment, insurance or tax advice.

8The Debt Relief Finder and our other tools

• The Debt Relief Finder and its Debt Snapshot are based only on the answers you give. They are a self-reported snapshot, not a credit score, not a credit check and not financial or legal advice.

• Using the Finder does not affect your CIBIL or any credit score. We do not contact any credit bureau when you use it.

• Any EMI or loan calculator on our site gives estimates for understanding only. Your lender’s figures, rates and charges apply.

• The Debt Health Score in the Client Portal is our own internal measure to help organise your situation. It is not a credit score from any credit bureau (TransUnion CIBIL, Experian, Equifax or CRIF High Mark), and lenders do not use it.

• A result on any of our tools does not mean you qualify for settlement or any other outcome.

9Rescuer Assist

Rescuer Assist is an automated guidance assistant available to onboarded clients. It answers only from our reviewed knowledge base and hands you to a person when you need one. It can make mistakes. It gives general information, not legal advice, and it is not a lawyer, counsellor or emergency service.

10Real stories and testimonials

The stories on our site are shared by real people who have given us their consent. To protect their privacy, we change names, photos and identifying details. Photos used alongside stories may be of models.

Stories describe what changed for that person. They are not typical results and are not a promise that you will get the same outcome. Every situation is different, and your lender decides.

11Accuracy of information

We work hard to keep the information on our site accurate and up to date, including rules from the Reserve Bank of India and other authorities. Rules change, and articles may not reflect the latest position on the day you read them. Please check the current rules, your loan agreement and your lender’s terms before acting, or talk to us or an advocate.

12Third-party links

Our site links to other websites, such as the RBI, the RBI Integrated Ombudsman portal and the credit bureaus, for your convenience. We do not control those sites and are not responsible for their content, accuracy or privacy practices. A link does not mean we endorse the site.

13Limitation of liability

To the extent the law allows, The Debt Rescuers is not liable for any loss arising from reliance on general information on this website without taking advice specific to your situation. Nothing on this page limits any right you have under the Consumer Protection Act, 2019 or any other law that cannot be excluded.

14If you are being harassed by recovery agents

RBI rules for regulated lenders and their recovery agents say that agents may call only between 8 AM and 7 PM, must identify themselves and the lender they represent, and must not threaten, intimidate, publicly humiliate you or intrude on the privacy of your family and friends. Keep a record of every call and message, and complain to your lender first.

15Contact

Questions about this page? Write to grievance@thedebtrescuers.com.