SettleWithGyani
Settle Smart, Live Better
SettleWithGyani helps individuals in genuine financial hardship negotiate with lenders and collection agencies, so you can close the chapter and rebuild — without the guesswork.
Every case gets a review before we suggest a path — we tell you honestly if settlement is or isn't the right route for your situation.
Structured negotiation with card issuers to reach a reduced, one-time or staged settlement figure.
Negotiation support for unsecured personal loans and small-ticket EMIs falling behind schedule.
Guidance and negotiation support for car loan accounts under financial hardship, including repossession-related concerns.
Support for two-wheeler loan accounts in default, including negotiation with the lender's recovery team.
Practical guidance on responding to collection calls and understanding your rights during recovery.
Help understanding notices you've received. Where formal legal handling is required, it is carried out through our associated partner, Settledge Legal.
For matters requiring legal guidance, legal documentation, or dispute-related assistance, we work in association with Settledge Legal, an independent law firm.
Mapping every outstanding liability into a single prioritised repayment or settlement roadmap.
Guidance on obtaining and preserving No Dues / Settlement letters after an agreement is honoured.
Send your loan details over WhatsApp or call — total outstanding, lenders involved, and where things currently stand.
We review whether settlement, restructuring, or another route genuinely fits your case, and explain the likely trade-offs.
Where settlement is viable, we engage the lender or recovery team on your behalf and keep you informed at each stage.
Once terms are agreed and honoured, we help you secure written confirmation of settlement for your records.
SettleWithGyani is an independent loan settlement and financial resolution brand dedicated to helping borrowers negotiate and resolve debt effectively.
From financial guidance and settlement planning to legal support whenever required, we aim to give borrowers end-to-end assistance through every stage of their case.
For matters requiring legal guidance, legal documentation, or dispute-related assistance, we work in association with Settledge Legal, an independent law firm.
Both organizations operate independently while collaborating to provide borrowers with comprehensive settlement and legal support — each maintaining its own independent identity.
No two lenders and no two files behave the same way — we assess before we promise anything.
Every option, fee and likely timeline is explained upfront in terms you can act on.
Regular updates over WhatsApp so you're never chasing us for status on your own case.
We push for written settlement confirmation — a verbal assurance is not where a case ends.
If you can still service your EMIs with some restructuring, that route usually costs you less in the long run than a settlement mark on your credit history. We'll say so plainly if that's your case, even if it means less work for us.
Generally yes — accounts marked "settled" rather than "closed" typically affect your credit history and score. We'll explain what to expect for your specific lender before you decide to proceed.
No. Final settlement figures are decided by the lender, not by us. We negotiate on your behalf and aim for the best realistic outcome, but the amount and acceptance are at the lender's discretion.
No. SettleWithGyani is the financial advisory and debt resolution brand of Settledge Legal. We are not a bank, NBFC, or a body regulated by the Reserve Bank of India, and we do not lend money.
Settledge Legal is our legal partner. SettleWithGyani handles financial advisory and lender negotiation, and where a matter genuinely requires formal legal handling — such as a legal notice — that work is carried out through Settledge Legal.
Fees depend on the complexity and number of cases involved and are discussed and agreed with you in writing before any work begins — nothing is deducted or charged silently.
Message us on WhatsApp with a brief summary of your outstanding loans. We'll ask a few follow-up questions and let you know honestly whether settlement is a fit.
Share a short summary of your loan(s) — lender name, outstanding amount, and how many months behind, if any. We typically reply within a few hours on business days.
Start WhatsApp Chat →