Loan Type Policy
Understanding which loans we can assist with
We specialise in unsecured debt. This policy explains exactly which loans we can and cannot help you resolve, and why.
Eligible Unsecured Loans
We provide consultancy services for the following types of unsecured debt:
Personal Loans
Unsecured personal loans from banks, NBFCs and fintech lenders.
Credit Card Debt
Outstanding balances on credit cards from any issuer.
Business Loans (Unsecured)
Unsecured business loans taken without collateral.
Medical Debt
Unpaid medical bills and healthcare expenses.
Education Loans (Unsecured)
Student loans without collateral or a guarantor.
Payday Loans
Short-term, high-interest loans.
Ineligible Secured Loans
We do not provide services for secured loans or loans with collateral:
Home Loans / Mortgages
Loans secured by residential or commercial property.
Car Loans / Vehicle Loans
Loans secured by automobiles or vehicles.
Gold Loans
Loans secured by gold jewellery or ornaments.
Property Loans
Loans against property (LAP) or real estate.
Secured Business Loans
Business loans backed by collateral or guarantees.
Loan Against Securities
Loans secured by stocks, bonds or mutual funds.
Why this policy exists
Legal and practical reasons
Secured loans involve collateral that lenders can seize through legal processes. Settlement strategies that work for unsecured debt are not applicable to secured debt, because lenders retain the right to repossess the collateral.
Risk of asset loss
Attempting to negotiate secured debt without proper legal representation could result in the loss of your home, vehicle or other valuable assets. We do not want to put our clients at such risk.
Specialised expertise required
Secured debt resolution requires specialised legal expertise and often involves court proceedings. Our consultancy focuses on unsecured debt, where our strategies are most effective.
Client protection
This policy protects our clients from engaging in services that may not be appropriate for their situation, and ensures we only provide guidance where we can genuinely help.
Our verification process
Before accepting any client, we verify:
- 1
The type of debt you have (secured vs. unsecured).
- 2
Whether your debt falls within our service scope.
- 3
Your eligibility for our debt resolution programs.
If your debt is not eligible for our services, we will inform you immediately and, where possible, refer you to appropriate resources or professionals who can assist you.
Have questions about your loan type?
Not sure if your loan qualifies? Contact us for a free consultation.