What is Debt Settlement?

A debt settlement is an agreement between a lender and a borrower to pay back a portion of a loan balance, while the remainder of the debt is forgiven. We can negotiate your settlement so that you become debt free, in most cases without it affecting your credit score. We are the only company that offers a range of settlement options to best suit your needs. We will negotiate the best option on your behalf. We provide legal advise related to debts. Enquire today for a free consultation, and see what settlement option is best for you.

Our Mission

To help individuals overcome debt-related stress by providing transparent, ethical, and legally sound loan settlement solutions, while safeguarding their rights and mental well-being throughout the journey.

We aim to replace fear and confusion with clarity, support, and confidence.

Our Services

Helping you settle debts and protect your peace of mind.

Credit card debt can be incredibly costly, with interest rates soaring as high as 40%- 45%. If you find yourself struggling to pay off your credit card debt and wish to find a solution, settling your debt is worth considering. It can help you save money and lead to a better financial situation in the long term.

We help you understand your legal options, prevent unethical recovery practices, and avoid unnecessary court action. Our goal is to ensure a fair, respectful, and just resolution, empowering you to regain control of your finances with confidence.

We help you legally negotiate and settle personal loan dues when repayment becomes unmanageable. Our team engages with banks and NBFCs on your behalf to reduce the payable amount, stop recovery harassment, and close the loan through structured settlement. The goal is simple: fair terms, lawful closure, and a clear path to rebuild your financial stability.

In India, it's unfortunately common to face harassment from recovery agents, even though there are Supreme Court rulings and RBI guidelines against such practices. Discover how we can assist you with Easy Settlement Anti-Harassment Service!

Getting out of debt is only the first step. Staying debt-free needs a clear, practical financial plan. Our expert counsellors work with you to understand your income and spending habits, eliminate unnecessary expenses, and build a realistic budget that actually works. We help you create emergency funds, plan long-term financial goals, and guide you through credit score improvement so future loans and financial opportunities remain within reach.

When lenders initiate unfair disputes or push one-sided arbitration, we step in immediately. Our team challenges unjust actions, files timely objections, and protects your right to be heard. With structured legal support, our paralegal and legal associates prepare your defence, represent your interests during proceedings, and work toward a fair and favourable resolution.

Your financial situation is personal and should stay that way. Our privacy protection service ensures that recovery agents do not access or misuse your contact list to harass friends, family, or colleagues. We take both legal and technical measures to safeguard your personal data, prevent unauthorized third-party contact, and protect your reputation. With us, your privacy, dignity, and peace of mind remain secure.

We assist business owners in legally settling unsecured business loans when cash flow pressure makes regular repayment impossible. Our team negotiates directly with banks and NBFCs to reduce outstanding dues, stop aggressive recovery actions, and close the loan on reasonable settlement terms. The focus is on protecting your business reputation, easing financial stress, and helping you stabilise operations without unlawful pressure.

How does loan resolution work?

Free Consultation

Reach out to us for a no-obligation consultation. We review your financial situation, including outstanding debts, income, and monthly expenses, to understand your challenges and goals.

There are 6 phases in the loan resolution process:

Eligibility Assessment

Based on the consultation, we assess whether loan settlement or resolution is the right path for you.

Enrollment & Agreement

Once you agree to the plan, you enroll in our program by signing an agreement that clearly outlines the process, scope of work, and associated fees.

Settlement Savings Plan

We guide you in setting aside a structured amount toward settlement while working to reduce recovery pressure.

Negotiation & Resolution with the Bank

Our team negotiates directly with banks or NBFCs to arrive at fair settlement terms and completes the formal loan closure.

Become Loan-Free

Your loan is resolved, stress is reduced, and you move forward with clarity and a plan to rebuild financial stability.

Loancure team helped me join their settlement program. Adv Abhishek explained everything in detail and cleared my doubts. I also got timely updates on my case. Whenever I call, someone picks up and helps me. Would recommend them to anyone in debt trap.
- Amit Raj

Client Experiences That Speak for Results

Narratives that showcase our dedication to transparency, integrity, and outcomes.

⭐️⭐️⭐️⭐️⭐️

Loancure ke lawyers aur support team ne mujhe family ki tarah treat kiya.Waqt pe follow-up, har sawaal ka answer, aur recovery agents se complete protection mila.Sabse badi baat-affordable fee aur massive settlement saving.Ab lagta hai ek nayi zindagi start hui hai

- Piyush Kumar

⭐️⭐️⭐️⭐️⭐️

Loancure changed my life. I was buried under multiple credit card loans,and constant recovery calls made me anxious. Their legal team provided the best anti-harassment protection and helped me settle my debts with a big waiver.I finally feel free and safe

- Shiv Shankar

⭐️⭐️⭐️⭐️⭐️

Loancure honestly saved me. My cc bills were killing my sleep. I was so afraid of the agents. Did not know who to trust, but these guys did not judge or push. They just explained whats possible and whats not. They spoke to my bank and settled my loans and bills. Now they are helping me with CIBIL rebuilding

- Rishav Kumar

⭐️⭐️⭐️⭐️⭐️

I’m honestly blown away by how smooth Clear Karz made my loan settlement process. No drama, no stress just a transparent, professional team that knows exactly what they’re doing. They fought hard so I could close my loan legally at a much lower amount. If you’re going through financial difficulties, don’t think twice just go to them.

- Piyush Kumar

⭐️⭐️⭐️⭐️⭐️

Trust me doston, Clear Karz ne meri zindagi badal di.Pehle Roz bank recovery agents ke calls aate the aur harassment se neend ud jaati thi.Lakin inki anti-harassment support aur affordable settlement process ne mujhe real protection diya.Ab main ekdum debt-free life jee raha hoon. Yeh truly best service hai

- Ritesh Kumar

⭐️⭐️⭐️⭐️⭐️

4.9/5 "Excellent" 10000+ Clients Served

10000+ Clients Served
Helping individuals resolve personal loans, credit card dues, and NBFC disputes with clarity and lawful process.

Frequently asked questions (FAQ'S)

What types of debt can Loancure Solutions help settle?

Loancure Solutions assists with most unsecured debts, including personal loans, credit card dues, business loans without collateral, payday loans, BNPL loans, and app-based digital lending accounts. If unsecured loans make up the bulk of your financial stress, our settlement and resolution services can help you move toward a structured closure.

Is loan settlement the right option for me?

Loan settlement is designed for people facing serious financial stress. If you are struggling with monthly EMIs, dealing with continuous recovery calls, facing legal notices, or simply unable to keep up with repayments, settlement may be the right path. It helps bring unmanageable debt to a lawful close and gives you space to rebuild financially.

What does Loancure Solutions charge for settlement services?

Our pricing is transparent and outcome-driven.

• Settlement Fee: 10% of the successfully settled amount, payable only after settlement is achieved and documented.

• Legal & Documentation Costs:

  • Power of Attorney & Agreement: ₹2,000

  • Signup Fee: Nominal, to cover initial legal and compliance costs

There are no surprise charges. All costs are explained clearly before you enroll.

Will loan settlement affect my CIBIL score?

Yes, loan settlement does impact your credit score, and it’s important to understand this upfront.

How does debt settlement differ from bankruptcy?

Debt settlement involves negotiating to pay less than owed, while bankruptcy is a legal process that can discharge debts but may have more severe and lasting impacts on creditworthiness.

What happens to your credit report:

• The account is marked as “Settled”, not “Closed”

• This indicates partial repayment under agreed settlement terms

• A settled status can remain on your CIBIL report for up to 7 years

Settled vs Default
While settlement lowers your score, it is still better than default or write-off. Settlement shows an effort to resolve the debt, whereas default reflects complete non-payment and causes more severe long-term damage.

Can I choose which loan or credit card accounts to enroll?

Yes. You have full control. You can enroll only the specific loan or credit card accounts you want to resolve, based on your priorities and financial comfort.

How much can I save through Loancure Solutions’ settlement program?

Savings vary depending on factors like lender type, outstanding amount, and your financial profile. In many cases, clients are able to reduce their total payable amount by up to 70% through structured negotiation.

What is the difference between loan settlement and loan consolidation?

• Loan Settlement is meant for borrowers under extreme financial pressure who cannot continue repayments. It focuses on closing loans at reduced amounts.

• Loan Consolidation is a preventive option for borrowers who are still managing payments but want lower EMIs through restructuring, better interest rates, or longer tenure.

We guide you toward the option that actually fits your situation.

Are there any hidden fees?

No. Loancure Solutions follows a fully transparent fee structure. All settlement fees and legal costs are disclosed before enrollment. There are no hidden charges at any stage.

Is Loancure Solutions a genuine company?

Yes. Loancure Solutions operates as a legally compliant debt resolution and borrower protection service. Our work focuses on lawful negotiation, legal safeguards against harassment, and structured financial recovery. We assist clients across India with documented processes and clear accountability.

Our loan settlement and borrower protection services are available across all States and Union Territories of India.

How We Serve Pan-India

• Online Consultation & End-to-End Case Handling

• Direct Coordination with Banks & NBFCs

• Legal & Arbitration Support Across India

Pan-India Loan Settlement & Legal Support

Serving Borrowers Beyond City Limits

No matter where you are located, our services are not restricted by geography. Loancure Solutions operates on an online-first model, allowing us to assist borrowers across India without the need for physical visits. From metro cities to remote towns, we handle cases with the same level of care, confidentiality, and legal precision.