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Our proprietary FixDebt Settlement Calculator shows realistic savings based on 28,675+ successful settlements across India
FixDebt Specializes in Multiple Debt Solutions
Real Stories from Real FixDebt Clients
FixDebt's legal team directly negotiated with HDFC, ICICI, and Axis Bank on my behalf. They settled my ₹8.2L credit card debt for ₹3.1L - a 62% reduction. No empty promises, just documented results.
My textile business collapsed during COVID. I had ₹14L in personal loans from Bajaj Finserv and Fullerton. FixDebt's structured repayment plan helped me settle for ₹6.3L over 22 months. Their empathy made all the difference.
I had 5 different EMIs totaling ₹47,000/month on a ₹65K salary. FixDebt consolidated them into a single ₹28,500 EMI through their banking partners. Every step was transparent with zero hidden fees.
28,675+ Families Trusted FixDebt to Become Debt-Free
"I had ₹12.4L outstanding on 3 credit cards (SBI, HDFC, ICICI). FixDebt's settlement experts negotiated directly with each bank and closed everything for ₹4.9L in 18 months. Their legal backing gave me confidence throughout."
"Medical emergency drained my savings and I maxed out 4 credit cards totaling ₹6.8L. FixDebt restructured my debt through their NBFC partners - monthly outgo reduced from ₹38K to ₹22K. Life-changing support!"
"After job loss, I couldn't pay 2 personal loans (₹9.5L total). Instead of generic advice, FixDebt analyzed my income and created a 20-month settlement roadmap. Closed both accounts for ₹5.8L total. Professional and empathetic!"
"₹18.2L debt across credit cards and business loans was destroying my life. FixDebt's certified negotiators dealt with Kotak, IndusInd, and IDFC First. Final settlement: ₹8.7L - saved me 52%! They handled collection calls professionally."
"Three credit cards with ₹4.3L debt and constant recovery calls were giving me anxiety. FixDebt not only settled for ₹2.1L but also educated me on my legal rights under RBI guidelines. Got my life back!"
Get Your Free FixDebt Consultation
Speak with a FixDebt-certified debt counselor within 24 hours. We'll analyze your complete debt situation and recommend the best settlement or consolidation strategy for your case. Consultation is 100% free with zero obligation.
Frequently Asked Questions
Everything you need to know about FixDebt's settlement and consolidation programs
FixDebt's certified negotiators work directly with your creditors (banks, NBFCs, credit card companies) to negotiate a one-time settlement amount - typically 40-65% of your total outstanding principal. We represent you legally, handle all communication, stop harassment calls, and create structured payment plans. Our success rate: 28,675+ settlements completed with an average 58% debt reduction across all cases.
Settlement accounts are marked as "settled" in CIBIL/Experian, which temporarily lowers your score by 50-100 points. However, FixDebt's Post-Settlement Credit Rebuilding Program helps 87% of clients recover their score to 650+ within 18-24 months through secured credit cards, timely payments, and credit utilization management. Most importantly: continued defaults and legal action damage your score far worse than settlement.
FixDebt offers both based on your financial capacity: Consolidation - If you're still employed with stable income but overwhelmed by multiple EMIs, we merge all debts into one lower EMI (30-45% reduction) through our NBFC partners. You pay the full amount but with reduced interest. Settlement - If you've missed 3+ EMIs or lost income, we negotiate to reduce your principal by 40-65%. During your free consultation, our counselor analyzes your income, expenses, and debt-to-income ratio to recommend the optimal path.
Once enrolled, FixDebt issues formal legal notices to all creditors stating we're representing you. We provide you with a "FixDebt Protection Card" containing your rights under RBI/IRDA guidelines. Our legal team documents any harassment and escalates to Banking Ombudsman/Police if needed. Over 94% of our clients report zero harassment after 30 days of enrollment. You'll receive a dedicated case manager's number to report any violations immediately.
FixDebt specializes in unsecured debts: Credit cards (all banks), Personal loans, Business/Professional loans, NBFC loans (Bajaj, Fullerton, HDB Financial), Consumer durable loans, Medical/Education loans. We have direct settlement relationships with 37+ banks and NBFCs. We DON'T handle: Home loans (secured), Vehicle loans (secured), Gold loans (secured). Our expertise: Credit card debt represents 68% of our successful settlements with an average 61% reduction rate.
FixDebt's average timelines: Settlement - 14-28 months depending on debt amount (₹1-5L: 12-18 months | ₹5-15L: 18-24 months | ₹15L+: 24-36 months). Consolidation - 7-14 days from application to first consolidated EMI. First settlement offer typically arrives within 45-90 days of enrollment. Our case manager provides milestone updates every 15 days. Fast-track settlements available for debts under ₹5L with lump-sum payment capacity.