Know Your Legal Rights

Legal Framework Protecting Borrowers in India

Many borrowers suffer in silence because they are unaware of the protective umbrella provided by the Indian Constitution, the Reserve Bank of India (RBI), and the Indian Penal Code (IPC). At DebtCure, we ensure these laws are implemented to protect your dignity.

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  Right to be Treated with Dignity (Article 21)

  The Supreme Court of India has ruled that the "Right to Life" includes the right to live with dignity. No debt recovery process can violate your fundamental human rights.

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  Protection Against Criminal Intimidation (IPC Sec 503 & 506)

  If a recovery agent threatens to harm you, your family, or your reputation, it is a criminal offense. We help you file FIRs against such agents and their agencies.

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  Right to Privacy & Confidentiality

  Agents cannot disclose your debt status to neighbors, relatives, or your employer. Doing so is a breach of the Banking Secrecy Laws and the Right to Privacy.

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  Standardized Recovery Hours (8 AM to 7 PM)

  RBI guidelines strictly forbid calls or home visits before 8 AM or after 7 PM. Any intrusion during "odd hours" is legally actionable.

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  No Forced Property Possession (Securitization Act)

  Even under SARFAESI, banks cannot take physical possession of your property without following the "Due Process of Law," which includes 60-day and 30-day notice periods.

What to do if your rights are violated?

Evidence is key. If you face harassment:

• Record all calls: Most modern recovery is done via recorded lines; your recordings are valid evidence in court.
• Save WhatsApp messages: Threats sent over chat are "electronic evidence" under the Indian Evidence Act.
• Note the Agent's details: Demand their ID and the name of the agency they represent.