One connected picture
Choose the part that feels loudest.
Each problem has a place in the wider picture. Select a problem to see the supporting service and the documents that help make it understandable.
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 business 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.
Confidential by design
Your situation stays between us — except where the law requires disclosure.
By appointment
Kolkata, India · calm, unhurried support.
The name behind PKS
PKS is not an acronym. It is a name we carry.
Prasanta Kumar Saha — an advocate with a B.Com and an LLB, who spent his working life at the bar and held three things above everything else: justice for people, integrity in action, and service that outlasts the case in front of him.
He is the founder's father. The consultancy carries his initials because it works by his standard: read the document properly, tell the person the truth about their position, and stay with the case until the next step is clear.
- Justice for people
- The outcome a person is actually asking for.
- Integrity in action
- Say what is true, even when it is unwelcome.
- Guidance for generations
- Advice a family can still stand behind later.
- A stronger society
- Debt is a private problem with a public shape.
Where the line sits. PKS India Consultancy is an advisory practice, not a law firm. We review documents, explain your options and help you plan what to do next. We do not give legal advice. Where a matter genuinely needs an advocate, we will tell you that plainly instead of taking it on.
How we work, and who we are notFrom the practice
People, not promises.
A short archive of the practice itself: the advocate the name comes from, the team around the table, and the rooms where a first conversation happens. Every file is read the same way, in the same order, by people who stay with it until the next step is clear.
- 01Understand your situation
- 02Organise your documents
- 03Respond with a plan
- 04Move towards resolution
YOU ARE NOT ALONE.
When a financial problem becomes complicated, the first step is understanding what is happening. Start with one free, confidential conversation.
What you might be facing
Pressure feels personal. Let's look at it plainly.
These are the situations borrowers most often bring to us. Pick the one that fits. The first conversation is free and confidential.
Not on the list? Tell us your situation — every situation is different.
What is happening to me?
Your case is connected — not isolated.
Calls, statements, EMIs, notices and property-linked debt can feel like separate problems. They belong to one picture, and the right starting point is usually the part that is hardest to see.
Document intelligence
What the lender sent you matters.
Start with the paper trail. Each document answers a different part of the account — the clearer the record, the more useful the first conversation.
Choose a document and select Scan. On a hover-capable device, you can also drag a document to the scanner.
The document desk
Pick a document. We will show what it can make clearer.
Select Scan on any card, or drag it to the scanner zone.Tap Scan on a card to attach it.
ScannerReady
Drop a document hereScanner
Your first document does not need to be perfect. It needs to be the real one.
Fields revealed00 / 06
- ACCOUNTThe loan and account details on record.
- OUTSTANDINGThe amount the lender says is currently due.
- INTERESTInterest rates or interest entries to check.
- CHARGESPenalties, fees or other charges to check.
- DEADLINEDates and response windows to track.
- NOTICEThe notice or communication on record.
When the account feels unclear
Start with the picture, not the pressure.
These are the small, concrete views that can make a complicated situation easier to discuss. Every scene keeps the documents and next action in view.
Communication log
Date—
Time—
Number—
SubjectRecovery communication
Claimed outstanding—
Calm record, not a reaction
A simple trail
- RECORD
- SAVE
- RESPOND
- TRACK
Recovery communication
Make the conversation a record.
A calm phone interface turns scattered contact into a timeline you can actually follow.
You do not have to respond in the moment. Record what happened, save what was sent, and track the next action.
Explore recovery pressure supportLoan AYour figure
Loan BYour figure
Loan CYour figure
Total liabilityAdd your amountsWe map these together in your consultation — figures verified from your own records, never estimated here.
- ASSESS
- PRIORITISE
- PLAN
- DISCUSS
- TRACK
Debt & settlement
Bring every loan into one picture.
Separate loan blocks become a total-liability view, then a practical sequence for debt, repayment, or settlement discussion.
A clear total is a starting point for planning, not a promise about what can be agreed.
Explore debt managementCredit report viewReview
Report entryEntry to checkLender—Account reference—StatusNeeds review
- IDENTIFY
- DOCUMENT
- DISPUTE
- FOLLOW UP
CIBIL / credit report
Find the entry that needs checking.
A focused report view makes an incorrect entry visible before the dispute trail is prepared.
Keep the report and supporting records together so every question can be tied to a document.
Explore CIBIL and credit report supportNotice received—
Read the dates.Keep the original document together.
Don't ignore the notice.
- NOTICE
- DOCUMENTS
- DEADLINES
- RESPONSE
- HEARING
- TRACKING
DRT
Give the notice a place in the timeline.
The notice opens into a calm sequence of documents, deadlines, response, hearing, and tracking.
Don't ignore the notice. Keep it safe, read the dates, and ask for help with the next step.
Explore DRT supportProperty-linked file
- DOCUMENTS
- GUIDANCE
- RESOLUTION
Mortgage / secured
Keep the property and the paper connected.
Documents, notice, timeline, and lender communication orbit one property platform before the next steps become clear.
Property-linked matters need a careful file and the right professional support; a resolution path cannot be assumed in advance.
Explore mortgage and secured loan supportThese illustrations are general information, not legal advice. They do not predict what a lender, tribunal, or court may decide.
The resolution journey
A clear path through a complicated situation.
Eight practical steps, from first conversation to the support that may be needed if a matter reaches a legal layer.
- Stage 01 of 08
Consultation
We understand your problem, loan details, lender and immediate concerns.
- Stage 02 of 08
Document Review
We review agreements, statements, notices and correspondence in an organized manner.
- Stage 03 of 08
Case Assessment
We identify outstanding amounts, disputes, recovery pressure and key deadlines.
- Stage 04 of 08
Strategy & Guidance
We develop a practical action plan tailored to your situation.
- Stage 05 of 08
Grievance & Communication Support
Support with bank/NBFC communication, complaints and escalations.
- Stage 06 of 08
Settlement / Resolution Support
Assistance with restructuring, OTS, compromise or settlement discussions where applicable.
- Stage 07 of 08
Tracking & Follow-up
We track responses, approvals and necessary next steps.
- Stage 08 of 08
Legal Escalation If Required
If legal intervention is required, we coordinate with an appropriate legal professional separately.
Fees, confirmed in writing
Three stages. No surprises.
Every fee is discussed privately and confirmed with you in writing before anything is charged. Nothing is published as a fixed price, because no two matters are alike.
01 →
Stage 01Consultation
No charge
The first conversation to understand your situation. No charge, no obligation, fully confidential.
02 →
Stage 02Activation
Agreed upfront
Any setup or activation cost is confirmed with you in writing before work begins. Never a surprise line item.
03 →
Stage 03Professional fee
Case by case
confirmed privately
The professional fee is set for your matter alone and shared with you privately, with a written payment plan. No work begins without a signed fee plan.
A calmer starting point
Where does your case stand?
Use this short guide to organise the first conversation. It can help identify the process area, the documents to prepare, and when legal involvement may be relevant.
Case finder
General guidance, not legal advice.
STEP 1 OF 4
Start with the signal
Which description feels closest to your situation?
Choose the closest fit. You can refine the picture with a consultant later.
The framework
Understand the system your loan sits inside.
RBI grievance routes, tribunals, secured-asset rules, digital lending, credit reporting and notices, written for borrowers, with a note on when a legal professional may be needed.
Enter the knowledge roomCommon 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.
No. PKS does not guarantee loan waivers, settlements, credit-report deletions, score improvements or any other specific outcome. Results depend on the facts, documents, lender response and your situation.
Sanction letter, loan agreement, statements, EMI details, outstanding amounts, notices, and any recovery communication. Missing some is fine — we help you track them down.
The consultation is free. If we proceed, any activation and professional fees are explained to you and agreed in writing before any structured work begins. Borrowers can pay by instalments; business recovery engagements run on a success share.
A considered next chapter
Let's find a way forward.
Keep your loan documents, statements, notices, and important communications ready so that your situation can be assessed in an organised manner.
UNDERSTANDDOCUMENTRESPONDRESOLVE
Statements
One organised fileStatements, notices and letters together
Phone on silent
Current threadOrganised
UNDERSTANDrecorded
DOCUMENTrecorded
RESPONDrecorded
RESOLVEnext conversation
A clear file makes a useful first conversation possible.
A calm beginning
One organised conversation can help clarify what the documents say, what needs checking, and where professional or legal support may be relevant.
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.