Recent Questions
is there any registration charge for join this company for loans settlement
Response by AMA Team
yes, there are charges for the same, please connect with us and our team will help you understand the process and fee structure.
I’m having 2 credit cards and 4 app loans I need debt consolidation and merge all into one
Response by AMA Team
please specify your app loans and we’ll try to find the best possible solution.
is there any registration charge
Response by AMA Team
registeration for?
loan sattle ment
Response by AMA Team
Please explain your details, So that we can help you out. Regards Team AMA
I am a civil contractor. I have a construction dispute with State Bank of India (SBI, LHO Bhopal) regarding the building project in (C.G.)The bank has arbitrarily withheld my running bills (RA-1 & RA-2) and forced the retention of my machinery/site, causing delay damages. The total claim amount is approx. ₹84.5 Lakhs. The bank is verbally citing "non-receipt of Govt (MoRD) grants" to delay the payment, although there is NO "pay-when-paid" clause in our signed contract. I have already served the formal Notice invoking Arbitration under Section 21 on 13th July 2026. It was delivered on 17th July 2026. The statutory 30-day period expires on 16th August 2026, and the bank has failed to reply or appoint an arbitrator. I need an experienced counsel to file a Section 11(6) petition in Jabalpur High Court for the appointment of an independent Sole Arbitrator.
Response by AMA Team
Since you have already invoked arbitration and the contractual period for appointment has not been responded to, the next step may be to move an appropriate application under Section 11 of the Arbitration and Conciliation Act, 1996 for appointment of an arbitrator, subject to the arbitration clause and territorial jurisdiction. Your ₹84.5 lakh claim, withheld RA bills and delay-related damages can be placed before the arbitral tribunal for adjudication. The contract and arbitration clause should be reviewed before filing to determine the correct court and procedure. Regards, Team AMA
I have 4 credit cards and a loan of 10/12 app which together amounts to Rs 3 lakh and I am now jobless, I have no money, how can I pay, I have no options now.
Response by AMA Team
If you are currently jobless with no funds, do not take another loan to repay the existing loans. First, prioritise essential household expenses and avoid further borrowing. For the credit cards and unsecured loan, you can approach the respective lenders for restructuring, temporary relief, or a negotiated settlement based on your financial hardship. Keep all loan statements and communications on record, and do not ignore formal notices or legal communications. Regards, Team AMA
i have active loan with poonawala fincorp, approxx Rs 3.70 lac pending, 3 emi is overdue of Rs 19126, total disburse amount is Rs 5.00 lac. due to jobless i am not able to make payment continue. Now i want to settlement with min amount. please help
Response by AMA Team
Yes, we can assist you with the settlement process for your Poonawalla Fincorp loan. Since 3 EMIs are already overdue due to loss of employment, we can review your account and explore a negotiated settlement with the lender, subject to their approval. Please share your latest loan statement and basic loan details with us. We can then assess the account and advise you on the most suitable resolution strategy and expected process. Regards, Team AMA
For Credit Card Settlement - a) What are your Total Fees b) Out of (a) - onboarding fees c) When or in how many instalments fees are required to be paid
Response by AMA Team
Please share your total outstanding amount and number of cards/accounts, and we can confirm the exact fee structure. Regards, Team AMA
I took pay day loans what if I not pay them like bharat loan they do recovery?? send recovery agents???
Response by AMA Team
Yes, if you stop paying, the lender may initiate recovery efforts and, depending on the lender and account status, may assign authorised recovery agents or take legal recovery action. However, recovery agents cannot legally threaten, abuse, intimidate, or harass you or your family. RBI-regulated lenders are required to follow recovery guidelines, including restrictions on harassment and inappropriate contact with family members. If you are already struggling to repay, it is better to plan the debt resolution before the situation escalates. We can review the loan and lender details and advise you on the appropriate legal/resolution strategy. Regards, Team AMA
if i ask any of my case details will it uppear to public
Response by AMA Team
Please explain your details, So that we can help you out. Regards Team AMA
Sir Mere 15 Loan Chal Rahe Hai..Meri Salary 17000 Hai. Sbka Pay karnaa mushkil ho raha hai. Aur Call Aa rahe hai bahut...
Response by AMA Team
Aapki situation mein pehle loan-wise assessment aur repayment strategy banana zaroori hai. Multiple loans aur recovery calls ke case mein hum aapko debt resolution/settlement aur recovery harassment se legally deal karne mein assist kar sakte hain. Aap apne loan details share karein, hum aapko next steps suggest karenge. Regards, Team AMA
meri marriage ko 7 years ho chuke hai mere 2 ladke hai meri patni apne mayeke me rahna chahti hai .mai bhi usse bahut pareshan ho chuka hu bo mere paas 1 ya 2 month rukkar bar baar apne mayeke chali jati hu aur bachho ko bhi sath lekar jati hai agar mai argument karu to police complaint ki dhamki deti hai jo ki bo pale bhi kar chuki hai aur station me nautanki dikhati hai mai mai baha kharch abhi bhejta hu fir bhi bo usne 1 ladke ka baha school me admition bhi kara rakh hai jyada maintainance lene ke chakkar se agar mai kuch kahu to bo aur uske mayeke bale mujhe dhamki dete hai mi ab itn harras ho chuka hu ke mai sath rahna nahi chahta mujhe shi sujjetion dijiye
Response by AMA Team
Aapki situation mein aap legal separation/divorce aur child custody/maintenance ke options consider kar sakte hain. Sirf police complaint ki dhamki dene se aapke legal rights khatam nahi hote. Aapke case ke facts aur available evidence dekhkar appropriate legal strategy decide ki ja sakti hai. Aap chahein to hum aapke matter ko review karke next legal steps suggest kar sakte hain. Regards, Team AMA
I currently have 40 to 45 active payday loans. The original borrowed amount was around 30.70 Lakhs, and the total outstanding balance is now approximately 41.35 Lakhs. I also have two active mortgages and a few personal loans. I am in the process of consolidating the personal loans into my mortgages. However, after paying my monthly mortgage EMIs, I have no funds left to service these payday loans. My payments are up to date right now, but I realize I am stuck in a debt trap and cannot sustain this for much longer. My main priority is protecting my family. I live with my elderly and unwell mother, and I need to ensure recovery agents do not harass or stress her. I want to start a debt resolution process immediately, before I go overdue, to prevent recovery agents from reaching my family. Please let me know: 1. Is it possible to begin the resolution process before payments become overdue? 2. How do you handle recovery agents to ensure they do not contact me or my family? 3. What is your fee structure and payment timeline for handling a case like mine?
Response by AMA Team
Yes, you can start the debt-resolution process before any account becomes overdue. We can assist with lender negotiations, settlement/resolution, and legally addressing any recovery harassment, including inappropriate contact with family members. For 40–45 accounts, we will first review the loan details and then confirm the professional fee and payment schedule, which can be structured in stages. Regards, Team AMA
I have active loans freed gives me one debt amount what should I do ? can you help me in settlement one new emi ??
Response by AMA Team
Yes, we can certainly assist. Before opting for a new EMI or debt consolidation plan, it is important to review your existing loans and financial position. In many cases, a negotiated settlement may be a more suitable option than taking on additional debt. Please share the details of your active loans, and we will advise you on the most appropriate legal course of action. Kind regards, AMA Legal Solutions
I Have Total Payday Loans of 45 and Outstanding 15 lakhs.and My salary was 65000 I was unable to Manage.Can You Please Help me I was stressful
Response by AMA Team
Thank you for reaching out. Based on the details shared, your case appears manageable. Please don't panic or make payments under pressure. We can help you explore legal options for settlement and protection from recovery harassment. Regards, AMA Legal Solutions
my account me hold kar diya hai
Response by AMA Team
Please explain your details, So that we can help you out. Regards Team AMA
I have 17 payday loans with total dues of approximately ₹6.69 lakh. My salary is ₹52,000 and my mortgage EMI is ₹49,000. My main concern is recovery agents contacting my employer, colleagues, relatives, or HR. Will your team formally communicate with all 17 lenders/NBFCs and their recovery agencies? What exact action will you take if they contact third parties? Please send me your complete fee structure and agreement before payment.”
Response by AMA Team
Managing 17 payday loans is extremely stressful, but you have strict legal rights under RBI regulations. We will immediately issue formal legal notices to all 17 lenders/NBFCs and their recovery agencies, directing them to stop calling third parties and route all future communication strictly through us. If any agent contacts your HR, colleagues, or family, we will file immediate complaints with the RBI Ombudsman and police for harassment and privacy violations. We will send you our complete transparent Fee Structure and Legal Services Agreement for your review before any payment is made. Regards, Team AMA
I have EMI almost as my Salary. Is freed a good option
Response by AMA Team
No, don't go for it. Regards Team AMA
I have multiple pl and cards debt. now I can't not able to pay as my every earing got drained in this. I have stopped paying everything from last month's.. I have recd a notice from SBI cards for sandhee ODR what should I do now
Response by AMA Team
We can surely help for this please share more details with us. we will also call you. Regards Team AMA
sar ek hamara Chhota Sa business tha vah Chhota Sa business kharab condition mein Ho jaane ki vajah se jo bhi humne Paisa liya tha vah Paisa hamara kharch ho gaya ab uske aage Ham nahin De Pa rahe hain personal loan UN security loan aur application se loan liye hue The usko pay karne mein dikkat ho rahi hai ISI vajah se Ham dusra Vyapar shuru karna chah rahe the vah bhi nahin Ho Pa raha hai paise ki Badi dikkat Ho Rahi Hai uska HAL nikal dijiye
Response by AMA Team
Please share your details on www.amalegalsolutions.com/contact Regards Team AMA
I want to settle all my unsecured loans including my pay day loans, as I am unable to pay due to my sudden job loss
Response by AMA Team
Please share your details on www.amalegalsolutions.com/contact Regards Team AMA
My wife used to work for local hospitality services industry. One day the management asked her to leave the job siting reasons verbal abuse about the management. So she immediately resigned. While leaving, they asked her to write a letter to HR saying “I agree to all the allegations”. So she wrote the letter and resigned. On Saturday, one police called my wife and asked her to report to police station to give statement. Later when she called her ex-colleagues, they said there was some data breach and police are checking mobiles and call data. Can my wife go to police station and give statement? what precautions should she take? are they trying to frame my wife?
Response by AMA Team
Your wife is likely being scapegoated, but she has strong legal protections: under Section 179 BNSS, police cannot compel a woman to visit the station and must record her statement at her residence. Do not respond to verbal phone calls insist on a formal written notice stating whether she is being questioned as a witness or an accused, and never hand over her phone or data without an official written order. The letter she signed agreeing to allegations was extracted under duress and holds no legal validity, but to protect her, do not let her give any statement or sign any documents without a lawyer present. Regards, Team AMA
Mera ek sbi card ka 3.5 k pending hai Unhone jabardasti charge laga diya tha Aur SCB ka 2.2 k hai maine apna sara amount clear kar diya tha but kuch 50 rs. Pending bache the jo unhone charges lagakar 2200 kar diye aur pending kar diya Aur ek 2006 ka citi bank ka loan tha jo unhone phoenix arc ko tfr kar diya tha aur unke sath settle hua tha, 50% pay kar diya tha and 50% uska balance pending hai 2 lacs, wo ab phoenix arc ke Paas hai wo hai mai account jo pay karna hai Uske Baad mera score improve hoga taki new loan mil sake
Response by AMA Team
Please file a complaint in NCH for the best solutions. Regards Team AMA
Hi, I'm contacting you regarding my payday loan account. Due to financial hardship, I'm unable to pay the full outstanding amount in a single payment. I would like to request a settlement of the accounts and ask if the settled amount can be paid in affordable monthly EMIs. I'm committed to resolving this matter and request that you share any available settlement options and the EMI terms in writing. Thank you.
Response by AMA Team
Yes, you can settle your loan in monthly EMIs. If you are facing financial hardship, lenders can agree to a Restructured EMI Plan. What to do: Email the Lender: Request an EMI settlement plan explaining your financial hardship and proposed monthly amount. Get Written Proof: Never pay on verbal promises. Demand an official Settlement Letter on the lender's letterhead detailing the EMI amount, schedule, and No Dues Certificate (NDC) terms. Pay Safely: Pay only through official app links or bank accounts mentioned in the settlement letter. 📲 Need help drafting your proposal or negotiating with the lender? Reply with your loan details and our legal team will assist you! Regards Team AMA
How can I get a call for help
Response by AMA Team
Please share your details on www.amalegalsolutions.com/contact Regards Team AMA
kya app loan ki emi nahi dene par jail ho sakti hai? I have multiple app loan.
Response by AMA Team
Nahi, loan ki EMI na bharne par seedhe jail nahi hoti. India ke kanoon ke mutabiq loan default karna ek Civil Matter (Contract Todna) hai, koi Criminal Crime nahi hai. Police aapko sirf EMI na bharne par arrest nahi kar sakti. Regards Team AMA
sir I have personal loan amount worth of 13 lakh in 17 loan apps.my net salary is 40000
Response by AMA Team
Yes, we can please share your details on www.amalegalsolutions.com/contact Regards Team AMA
can you help with loan settlement
Response by AMA Team
Yes, we can please share your details on www.amalegalsolutions.com/contact Regards Team AMA
i wanted to close overdue in dhanu
Response by AMA Team
Sorry we will not be able to help you for this Regards Team AMA
loan settelment poonawal and stashfin ke regarding
Response by AMA Team
Please share your details on www.amalegalsolutions.com/contact Regards Team AMA
related to loan settlement by mpoket app
Response by AMA Team
Please share your details on www.amalegalsolutions.com/contact Regards Team AMA
need debt consolidation for 5lakhs
Response by AMA Team
We don't provide loans. Regards Team AMA
i need loan loans for repayment
Response by AMA Team
We don't provide loans. Regards Team AMA
need help to restructure my loans so it will be easy for me and lender also
Response by AMA Team
We don't deal in restructuring of loans. Regards Team AMA
I am stuck in payloan trap now how to get rid I want pay but need time to close these loan they start home visiting
Response by AMA Team
Please share your details on www.amalegalsolutions.com/contact Regards Team AMA
i hwve already proceeded for loan settlement payment id 29418802532. but with my registered number here logged in. but nothing showing on app why !!! need help all my process should be visible on Ama legal solutions app
Response by AMA Team
Your query is resolved! Regards Team AMA
I have taken a loan in mpocket they send this message now (🚨 *HOME VISIT ASSIGNED Final warning Notice from Mpokket – Urgent Payment Required* 🚨 As you haven’t cleared payment and not responded , we are proceeding with a field visit & legal action today. Our advocate will visit your address with agreements and documents Calls are connecting to your father, mother and relatives reference and alternative numbers are active. Kindly clear the dues now to prevent further action NOTE:if do the payment inform first then pay so that we will update here🚨HOME VISIT ASSIGNED Final warning Notice from Mpokket – Urgent Payment Required 🚨 As you haven’t cleared payment and not responded , we are proceeding with a field visit…). I need some time to pay
Response by AMA Team
Please share your details on www.amalegalsolutions.com/contact Regards Team AMA
i have to make loan settlement of 17000 with kredit Bee
Response by AMA Team
Please get in touch with us, and our legal team will assist you with the most appropriate solution for your case. Regards Team AMA
Want to settle few Credit card and keep few active and need support for this.
Response by AMA Team
Please get in touch with us, and our legal team will assist you with the most appropriate solution for your case. Regards Team AMA
kannada language
Response by AMA Team
Please get in touch with us, and our legal team will assist you with the most appropriate solution for your case. Regards Team AMA
I want settle my personal loan
Response by AMA Team
Please get in touch with us, and our legal team will assist you with the most appropriate solution for your case. Regards Team AMA
restructar thik rahega ya sarrelment
Response by AMA Team
better hai ap restructure karey, kyuki settlement se credit report kharab hota hai and phir loan nahi milta. Team AMA
I have multiple loans which I can't repay on time cuz of financial crises at my home cuz of medical issue they are haress me and calling my family and friends and haress them also
Response by AMA Team
Dear Sir/Madam, In cases of genuine financial hardship, you can seek a legal settlement of your unsecured loans based on your repayment capacity. Recovery agents and loan apps cannot harass, threaten, or contact your family and friends in an unlawful manner. If such harassment continues, appropriate legal action can be initiated against them while simultaneously negotiating a structured settlement with the lenders. Adv. Anuj Anand Malik AMA Legal Solutions
I haveultiple loans n credit cards
Response by AMA Team
Please get in touch with us, and our legal team will assist you with the most appropriate solution for your case. Regards Team AMA
We are 4 brothers and the division (partition) of our agricultural land has not been done yet; all the land is still joint. In one of the mutual land block numbers (gut numbers), we all have our respective houses built. Everyone has registered their houses in the Gram Panchayat, and my house is also registered under my name in the Gram Panchayat records. Now, I want to give my house on rent, but the other brothers are opposing it. Can I give my house on rent, or is it mandatory for me to get their consent before renting it out?"
Response by AMA Team
Dear Sir, If the house is in your exclusive possession and recorded in your name, you may rent it out. However, since the land is still jointly owned, the safest legal solution is to first obtain a formal partition of the property or have your rights legally established to avoid future disputes. If your brothers unlawfully interfere despite your exclusive possession, you may seek appropriate legal remedies. Adv. Anuj Anand Malik AMA Legal Solutions
my loan settlement amount 16000
Response by AMA Team
Please get in touch with us, and our legal team will assist you with the most appropriate solution for your case. Regards Team AMA
loan settlement karna hai
Response by AMA Team
Please get in touch with us, and our legal team will assist you with the most appropriate solution for your case. Regards Team AMA
I am unemployed now and my financial situation is poor. I am 50 years old. I am not able to pay total repayment amount in one month (July). I want a loan repayment settlement and protection from harassment from the apps I took loan like bharat loan bright loan loan112 and lending plate app.
Response by AMA Team
Dear Sir, Considering your financial hardship and unemployment, do not panic. If these are unsecured loans, a legal loan settlement can be pursued based on your repayment capacity. You are also protected against unlawful harassment or abusive recovery practices. Seek legal assistance at the earliest to negotiate with the lenders and resolve the matter through a structured settlement rather than ignoring the loans. Adv. Anuj Anand Malik AMA Legal Solutions