Debt Recovery Services
Tailored strategies for recovering commercial and consumer debts, built around the value and age of the book.
Discuss this service ↗ Ethical recovery, measurable results
Recover what you are owed, the right way.
Cred Sec Solutions helps lenders and businesses across India recover receivables through disciplined, compliant and respectful collections.
RSA
Responsive, respectful guidance
from first
conversation to resolution.
01Clear communication
02Confidential by default
03Built around resolution
What we help with
Recovery services built around your book.
Every matter is different. We bring structure, perspective and steady support to help you make informed next moves.
Repossession Services
Experienced field teams handle asset repossession efficiently and lawfully, keeping losses contained.
Discuss this service ↗Legal Management Support
End-to-end legal assistance to navigate recovery law, notices and compliance with confidence.
Discuss this service ↗Call Center Operations
Multilingual inbound and outbound collections support, staffed and scripted to your standards.
Discuss this service ↗Consulting Services
Customised solutions for receivable management, documentation and portfolio strategy.
Discuss this service ↗ A calmer process
A clear path through complex matters.
We keep the process direct and human—from a first conversation to a practical route forward.
Speak with our team →-
01
Understand
We listen closely to your situation, priorities and the outcome you need.
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02
Plan
We outline a focused course of action, in clear language and without surprises.
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03
Progress
We move with purpose and keep you informed at every meaningful stage.
How we collect
Strategies for effective debt collection.
Recovery works best when it is deliberate. These five principles shape every file we take on.
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Open communication with debtors
We establish rapport early and keep every exchange respectful, clear and on the record.
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Negotiation techniques
Tactful, well-prepared negotiation that lands on an outcome both parties can realistically meet.
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Compliance assurance
Strict adherence to recovery law and industry regulation at every stage of the process.
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Client collaboration
Strategy shaped around your commercial objectives, not a generic collections script.
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Innovative solutions
Technology-led tracing, contact and reporting that makes each stage of recovery measurable.
“The best legal support makes difficult decisions feel
manageable.”
CS
EST.
EST.
Cred Sec difference
Professional rigour. A genuinely human approach.
Legal issues can take up more than your time. We provide straightforward support that respects the importance of your matter and your peace of mind.
✓
Focused on your outcome
Practical guidance built
around what moves you forward.
✓
Communication without fog
Direct answers and
updates when they matter.
How we hold ourselves
Commitment to ethical practices.
Collections carries your name as much as ours. We are deliberate about how that name is used.
Our standard
Ethical conduct is not something we work around; it is how we work. Every contact is respectful, lawful and documented.
What it earns you
Careful handling protects the relationship and the receivable at once, and keeps your reputation intact after the file closes.
Where we don’t cut corners
We will take the slower route over the aggressive one. Recovery driven by pressure alone tends to cost more than it returns.
Staying ahead of change
We track shifts in recovery law and industry guidance, and adjust our practice before compliance becomes a problem.
Common questions
Answers before you commit.
The questions clients ask us most often, answered plainly. The full list lives on our FAQ page.
What types of debt do you recover?
We handle commercial and consumer receivables for lenders, NBFCs, financial institutions and businesses — including secured and unsecured portfolios, early-stage delinquency and aged books. We review the portfolio first and tell you honestly what is realistically recoverable before any engagement begins.
How do you keep recovery compliant?
Every engagement follows applicable recovery law, RBI guidance on outsourcing and fair practices, and your own internal standards. Contact attempts are logged, agents are trained and monitored, and call recordings and audit trails are available to you on request.
How are your fees structured?
Most recovery engagements are contingency-based, so our fee is a percentage of what we actually recover. Consulting, documentation and call centre work can be scoped on a fixed or retainer basis. We confirm the commercial terms in writing before work starts.
How quickly can you start?
For a standard portfolio we can usually begin within five to ten working days of signing, once data transfer and the compliance checklist are complete. Larger or multi-location mandates take longer to staff properly, and we will tell you the realistic date up front.
How do you treat debtors?
Respectfully, and within the law. We do not use intimidation, misrepresentation or contact outside permitted hours. A recovery approach that damages your reputation is not a saving, so we hold this line even where it slows a file down.
Still have a question about your portfolio?
Talk to our team Start here
Request your free
portfolio review.
Tell us the size and age of the book. We will come back with an honest view of what is recoverable and how we would approach it — no obligation.
- A written recovery assessment within 3 working days
- Clear, contingency-based commercial terms
- Full compliance and audit trail from day one