I am practicing in the Bombay High Court, City Civil and Sessions Courts, Magistrate's Courts and NCLT. Areas of practice include civil litigation – harassment from debt collectors, Civil financial issues/dispute with lenders, drafting notices & letters for settlement of loans, cheque bounce i.e. legal matters related to section 138. I specialise in all aspect of financial civil matters dealing with all the client’s creditors and legally drafting out agreements for all the creditors to set up an affordable EMI based on the client’s financial circumstances. I also undertake a full financial audit of all the client’s loans to ensure that the creditors has followed RBI guidelines prior to sanctioning the loan and are able to freeze charges and interest on their loans and in some cases we are able to write off the total loans.I am well versed in all aspect of financial & CIBIL issues. I respond quickly, am business like and pragmatic, and really understand litigation strategy and debt management.