Record, don't rely on memory
Note the date, time, caller or message source, and what was said. A simple written log becomes your strongest reference.
PKS India Consultancy · Kolkata
Loan stress is hard.You don't have to figure it out alone.
We are a borrower-support consultancy. Our job is to help you understand your loan situation, organise the paperwork, respond to lender or recovery pressure calmly, and plan a clear next step — including settlements and legal notices if they come.
First reply
Within 1 day
Consultation
Always free
Your data
Kept private
How we help
File · 01You describe
Situation, notices, pressure points
We organise
Statements, letters, a written file
We respond
Calm, documented next steps
YOU ARE NOT ALONE.
Free · Confidential · No obligation
Free consultation
Talk first — no charge, no obligation.
Fully confidential
Your situation stays between us.
By appointment
Kolkata, India · calm, unhurried support.
What you might be facing
Pressure feels personal. Let's look at it plainly.
These are the situations borrowers most often bring to us. Choose one that fits — the first conversation is free and confidential.
Not on the list? Tell us your situation — every situation is different.
Our services
Guidance that fits your situation
Nine focused areas of borrower support. Every engagement starts with a free, confidential consultation to understand your problem first.
View all services, or jump straight to a free consultation.
How we work
A calm, documented path forward
Our engagement follows four stages. It keeps the work predictable, reviewable, and in your control.
You are not alone.Trust · Guidance · Solutions
- 01
Stage 1
Understand
We listen first. Your situation, loan details, lender, and what is pressing right now.
- 02
Stage 2
Document
We help you organise statements, agreements, notices and communication in one place.
- 03
Stage 3
Respond
Calm, written, factual responses — to lenders, recovery teams, and notices — prepared with you.
- 04
Stage 4
Resolve
A clear action plan and steady follow-up, so every step moves you forward.
Understand → Document → Respond → Resolve. The same sequence, whether you are fielding recovery calls or reading a tribunal notice.
Getting prepared
What to start gathering
You don't need perfection. You need a starting pile of paperwork and someone to help you read it.
These are the documents that matter most in a loan situation. Don't worry if you're missing some — we help you track down or reconstruct what is needed.
Your readiness
0/8
Tick what you already have on the right.
Prefer to talk first? Book a free consultation — no documents required to begin.
If recovery pressure is involved
Keep your anchor: a clear record
Pressure is designed to feel urgent. A calm, documented approach is the best defence — four habits we recommend to every borrower.
Calm beats haste.Document · Then respond
Save everything
Keep calls, messages, letters and emails rather than deleting them. Even a threatening message is evidence to keep, not hide.
Prefer written communication
Wherever possible, respond in writing. Written replies are documented, considered, and can be reviewed later.
Don't destroy or hide documents
Damaging or hiding loan documents makes every situation harder. Keep originals safe and make copies where needed.
Fees, plainly stated
Three stages. No surprises.
Our fee story is simple and written down. Nothing is charged without your explicit agreement, and the numbers are always confirmed before any work begins.
01 →
Stage 01Consultation
₹0.00
The first conversation to understand your situation. No charge, no obligation, fully confidential.
02 →
Stage 02Activation
₹1,000.00
A nominal fee to begin structured work on your case. The exact figure is confirmed with you in writing before anything is charged.
03 →
Stage 03Professional Fee
5%
benchmark of case value
A professional fee benchmarked at 5% of the case value, set individually per case and payable on a plan you agree to in advance. No work begins without a signed fee plan.
Common questions
Straight answers, before you ask
Yes. The first conversation to understand your situation is free and confidential, with no obligation to proceed.
No. PKS India Consultancy is a borrower-support consultancy. We provide advisory, documentation, and communication guidance. Where legal representation is genuinely required, we coordinate with an appropriate legal professional separately.
As many as you can gather — sanction letter, loan agreement, statements, notices, and any recovery communication. If you're missing some, we help you track them down.
No one can honestly guarantee a specific outcome. We guarantee the process: clear documentation, considered responses, and steady follow-up. Outcomes depend on the lender and your specific situation.
The consultation is free. If we proceed, an activation fee covers structured work on your case, and a professional fee benchmarked at 5% of the case value is set per case and agreed in writing before any work begins.
YOU ARE NOT ALONE.
Start with a free, confidential conversation.
No pressure, no obligation. Tell us what you're facing over the phone, WhatsApp, or the consultation form — and we'll tell you honestly how we can help.