Settlement Advisory

Negotiated closure, handled properly

For accounts that are genuinely beyond revival, a one-time settlement can stop the spiral — but a badly handled settlement creates years of credit damage and even legal exposure. Our advisory ensures it is done correctly, in writing, with the right waivers.

Who this is for

• Accounts already classified NPA or under intense collection pressure.
• Borrowers facing genuine, documentable hardship.
• Anyone offered a settlement by a recovery agent and unsure whether to sign.

What we do

1. Assess whether settlement is truly the right path — often restructuring is better.
2. Negotiate the settlement amount and waiver terms with the lender.
3. Verify the settlement letter, payment routing and closure reporting.
4. Guide post-settlement credit rebuilding.

Please note: settled accounts are reported to bureaus as Settled, not Closed, and significantly impact credit scores. We recommend settlement only as a last resort.

Important: all restructuring and settlement outcomes are subject to lender approval and policy. Restructured or settled accounts are reported to credit bureaus and can affect credit scores. MahadevX acts as an advisor and facilitator; final decisions rest with the lender.

Talk to a MahadevX advisor today. Call +91 98710 01985, start an application or request a callback. Free initial assessment, complete confidentiality.