Struggling With EMIs? Restructure The Loan, Not Your Life.
If you can still pay but your current EMI has become unmanageable, you may not need to settle or take a new loan at all. Our legal professionals negotiate directly with your existing lender to revise your repayment terms — so your loan stays serviceable, not defaulted.
What Is Debt Restructuring?
Debt restructuring is the process of renegotiating the terms of an existing loan with your current lender — extending the tenure, reducing the EMI, revising the interest rate, or securing a temporary moratorium — so that a loan which has become unaffordable becomes serviceable again.
This is fundamentally different from settling a debt for less, or taking a new loan to pay off old ones. Your original loan account stays open and active with your lender, just under revised, more realistic terms — helping you avoid default while your lender still recovers what they’re owed.
Who Should Consider Restructuring
What Can Actually Change
Every lender and case is different — final terms depend on their policy and your specific account, not a fixed formula.
How Our Restructuring Process Works
From your first consultation to a revised, workable repayment plan.
Debt Restructuring FAQs
Is this the same as loan settlement?
No. Settlement closes your account for less than what you owe. Restructuring keeps your original loan active and fully payable, just under revised, more workable terms with the same lender.
Can any type of loan be restructured?
Personal loans and credit card dues are the most commonly restructured. Secured loans can sometimes be restructured too, but this depends heavily on the specific lender’s internal policy.
What if my lender refuses to restructure?
Restructuring approval is ultimately at the lender’s discretion, and it cannot be guaranteed. If restructuring isn’t possible, we’ll discuss whether debt resolution or consolidation is a more realistic path for your situation.
What does the debt restructuring service cost?
It begins with the same ₹499 legal consultation as our other services. Full details are on our Pricing page.