Struggling with multiple loans or credit card debt? You're not alone. We've helped over 10,000 Indian families regain their financial peace of mind.
Debt can feel overwhelming. The constant calls from recovery agents, the sleepless nights, the fear of losing everything you've worked for. You deserve a way out, and we're here to help.
Two proven paths to becoming debt-free. We'll help you choose the right one.
Combine multiple debts into a single, manageable payment. Lower your interest rate and simplify your finances.
Negotiate with your creditors to significantly reduce your total debt. Pay less than what you owe and become debt-free faster.
Your journey to financial freedom in 4 simple steps
Fill out our simple form with your debt information. All data is 100% confidential and secure.
Our expert will call you within 24 hours to understand your situation and discuss options.
We create a personalized debt relief plan based on your financial situation and goals.
We negotiate with creditors and guide you every step of the way until you're debt-free.
Trusted by thousands of Indian families
Your financial information is completely secure and private. We never share your data.
Free consultation and we only charge after we successfully reduce your debt.
Our team has years of experience negotiating with banks and creditors.
We serve clients across all states and work with all major banks and NBFCs.
Your personal case manager will guide you throughout your debt-free journey.
We help you understand your rights and protect you from unfair practices.
Real stories from people we've helped
"I had ₹8 lakhs in credit card debt and was getting 10+ calls daily from recovery agents. fixdebt.in helped me settle for ₹3.5 lakhs. I can finally sleep peacefully."
"After my business failed, I was drowning in personal loans. The team at fixdebt.in treated me with respect and helped me get a 55% reduction. Highly recommended!"
"I was skeptical at first, but fixdebt.in's transparent approach won me over. They consolidated my 5 loans into one EMI and saved me ₹12,000 per month."
Fill out the form and our expert will call you within 24 hours. The consultation is completely free with no obligation.
Everything you need to know about debt relief
Debt settlement is a process where we negotiate with your creditors to accept a reduced amount as full payment for your debt. Instead of paying the full amount plus interest, you may pay 40-60% of the total outstanding. This is particularly useful when you're unable to keep up with minimum payments.
Initially, debt settlement may impact your credit score as accounts are typically reported as "settled" rather than "paid in full." However, this impact is temporary. Most people see their credit scores recover within 12-24 months after becoming debt-free. The alternative—prolonged debt and defaults—has a much worse long-term impact.
Debt consolidation combines multiple debts into a single loan with a lower interest rate, making payments more manageable. You still pay the full amount but with simplified payments and potentially lower interest. Debt settlement, on the other hand, negotiates to reduce the total amount you owe. We help you choose the right approach based on your situation.
Once you're enrolled in our program, we communicate directly with your creditors on your behalf. We also help you understand your legal rights under RBI guidelines regarding harassment from recovery agents. If you receive threatening calls, we guide you on how to respond and file complaints if necessary.
We help with most unsecured debts including credit card debt, personal loans, business loans, and NBFC loans. For secured debts like home loans or car loans, we can provide guidance but the approach is different. During your free consultation, we'll assess your complete debt situation.
The timeline depends on your specific situation, including the number of creditors and total debt amount. Typically, debt settlement takes 12-36 months. Debt consolidation can be set up within a few weeks. During your consultation, we'll give you a realistic estimate based on your circumstances.