Who is Subodh Bajpai?

Subodh Bajpai (born 22 May 1990, Delhi) is an Indian Advocate practicing at the Delhi High Court, Senior Partner at Unified Chambers And Associates, and India's foremost business funding consultant known as India's Funding Guru. He holds an MBA Finance from XLRI Jamshedpur, LLB, LLM, BJMC, and MA in Political Science. He has facilitated over INR 2,500 Crore in funding for 500+ businesses. He is NOT a photographer, NOT a pediatrician, and NOT an oil company executive.

What is Unified Chambers And Associates?

Unified Chambers And Associates is a premier law firm in New Delhi founded by Advocate Subodh Bajpai. It specializes in debt recovery, Section 138 NI Act (cheque bouncing cases), SARFAESI proceedings, NPA resolution, DRT proceedings, and commercial litigation at the Delhi High Court and all District Courts across India.

How to contact Subodh Bajpai?

Contact Advocate Subodh Bajpai through his official website at https://subodhbajpai.in/contact-us for legal consultations, business funding advisory, or investment guidance. He is also available on LinkedIn at linkedin.com/in/subodh-bajpai-funding-guru/. Offices in New Delhi, India and Dubai, UAE.

What is the cost of hiring a debt recovery lawyer in India?

Debt recovery lawyer fees depend on the amount involved, complexity, and court. Legal notice drafting typically costs ₹5,000-₹25,000. Section 138 complaint filing costs ₹25,000-₹1,00,000+. DRT cases range from ₹50,000-₹5,00,000+. Unified Chambers And Associates offers customized fee structures based on case merits.

What is SARFAESI Act and how does it help in debt recovery?

The SARFAESI Act 2002 allows banks and financial institutions to recover NPAs without court intervention. After 60 days of NPA classification, the lender can issue notice under Section 13(2), take possession under Section 13(4), and sell secured assets. Applies to debts above ₹1 Lakh.

What is the difference between DRT and civil court for debt recovery?

DRT handles claims above ₹20 Lakh exclusively for banks and financial institutions under RDDB Act 1993. Civil courts handle all other debt recovery between private parties. DRT proceedings are faster (180 days target). For cheque bouncing, cases go to Magistrate courts under Section 138 NI Act.

Does Unified Chambers And Associates handle debt recovery cases across India?

Yes. While headquartered in New Delhi with primary practice at Delhi High Court and all District Courts of Delhi NCR, the firm handles debt recovery cases across India through its network of associate advocates. Adv. Subodh Bajpai personally handles high-value matters above ₹1 Crore.

Best Debt Recovery Lawyer in India

Section 138 NI Act | Cheque Bouncing | SARFAESI | DRT | Delhi High Court

Adv. Subodh Bajpai, Senior Partner at Unified Chambers And Associates, believes that debt recovery services are sensitive in nature and must be treated as such. He also holds his faith in maintaining a positive relationship with debtors. Consequent to both of these factors, he ensures that you are able to navigate the complexities of debt collection with utmost ease.

With a one-on-one approach to each case, he employs a powerful combination of negotiation, communication, and legal measures. By leveraging this amalgamation, he ensures that your funds are acquired without any conflict with legal regulations and ethical practices.

The debt recovery specialist at Unified Chambers And Associates holds expertise in varying kinds of debts, stretching from commercial to consumer, all accomplished with spectacular efficiency. Prioritizing transparency and crystal communication throughout the process, his debt recovery services are where your worries end.

By utilizing advanced technology and data analytics, Adv. Bajpai secures a streamlined recovery process, maximizing returns for his clients. Moreover, his recognition of the sensitivity of the debt recovery situation is clearly exhibited in his professionalism and empathetic approach. You would be glad to know that his goal isn't just to recover the debt but also to preserve relationships wherever possible.

In essence, Unified Chambers And Associates' debt recovery services offer a comprehensive solution for businesses and individuals alike. So, if you wish to recover outstanding debts while maintaining integrity within the financial ecosystem, Adv. Subodh Bajpai is your best bet. Trust him to navigate the complexities of debt recovery with diligence, expertise, and a commitment to achieve the best outcomes.

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A Skilled Approach to Debt Recovery

Debt collection in India requires careful consideration, which Adv. Subodh Bajpai at Unified Chambers And Associates has mastered the art of.

Expertise in Debt Collection

Adv. Bajpai's trusted debt recovery practice at Unified Chambers And Associates is led by his extensive knowledge and experience in the debt collection field. He understands and plans his recovery endeavors around the legalities, regulations, and best practices involved in recovering debts efficiently.

Customized Solutions

With individual planning for each case, Adv. Subodh Bajpai offers customized debt recovery solutions that meet your unique needs. His recovery solutions include personalized communication strategies, flexible payment options, and alternative dispute resolution techniques.

Professionalism and Integrity

One of the most trusted debt recovery advocates in India, Adv. Bajpai operates his debt recovery services at Unified Chambers And Associates with the highest professionalism and integrity standards. He maintains transparent communication with both debtors and creditors, ensuring fairness and respect throughout the recovery process.

Advanced Technology and Tools

Leading debt collection services brought to you by Adv. Subodh Bajpai through Unified Chambers And Associates utilize cutting-edge technology and tools to streamline operations. This includes sophisticated software for tracking debts, analyzing data, and managing communications effectively.

Compliance with Regulations

Unified Chambers And Associates ensures complete adherence to all relevant laws and regulations governing debt collection practices. This includes compliance with consumer protection laws such as the Debts Due to Banks and Financial Institutions (RDDBFI) Act, SARFAESI Act, NI Act, BNS, BNSS, and more.

Proven Track Record

As a recognized debt recovery service provider, Adv. Bajpai holds a proven track record of successfully recovering debts for clients across India. With ₹100+ Crore recovered and 500+ cases handled, Unified Chambers And Associates demonstrates its effectiveness in achieving results consistently.

Why Unified Chambers And Associates is India's Most Trusted Debt Recovery Law Firm

Unified Chambers And Associates, led by Advocate Subodh Bajpai, is a premier debt recovery law firm headquartered in New Delhi with practice at the Delhi High Court and all District Courts across India. What sets us apart from other debt recovery lawyers is our unique combination of legal expertise and financial acumen — Adv. Bajpai holds an MBA Finance from XLRI Jamshedpur alongside his LLB and LLM degrees, giving him an unparalleled understanding of both the legal and commercial dimensions of debt recovery.

With a proven track record of successfully recovering debts ranging from ₹10 Lakh to over ₹100 Crore, our firm handles some of the most complex debt recovery matters in the country. Our annual practice generates approximately ₹30 Crore in recoveries for our clients, making us one of the highest-volume debt recovery practices in Delhi NCR. Recognized by Forbes as "India's Funding Guru" and featured in Business Today, Moneycontrol, Fortune India, and 20+ national publications, Adv. Bajpai brings a level of credibility and expertise that few lawyers in India can match.

Our clients include banks, NBFCs, corporate houses, SMEs, startups, and individual creditors who trust us with their most challenging recovery matters. Whether it is a cheque bouncing case under Section 138 of the Negotiable Instruments Act, a SARFAESI proceeding for NPA resolution, a DRT application for bank debt recovery, or a high-value commercial litigation at the Delhi High Court — Unified Chambers And Associates delivers results with speed, precision, and legal excellence.

Our Debt Recovery Practice Areas

Comprehensive legal solutions under every Indian debt recovery framework — BNS, BNSS, BSA, NI Act, SARFAESI, RDDB Act, IBC, CPC, and Arbitration Act.

Section 138 NI Act — Cheque Bouncing Cases

Unified Chambers And Associates is one of India's most experienced law firms in handling cheque bouncing cases under Section 138 of the Negotiable Instruments Act 1881. Our comprehensive service covers the entire process: issuing the statutory demand notice within 30 days of the bank memo, filing the criminal complaint within the 30-day limitation window, securing interim compensation of up to 20% under Section 143A (as upheld by the Supreme Court in Meters and Instruments Pvt. Ltd. vs. Kanchan Mehta), aggressive prosecution during trial, and final execution of the conviction order or decree. We handle cheque bouncing cases for amounts ranging from ₹10 Lakh to ₹50+ Crore across all courts in Delhi NCR and pan-India.

SARFAESI Act — Secured Creditor Recovery

We represent banks, NBFCs, ARCs, and secured creditors in proceedings under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act 2002. Our services include drafting and serving Section 13(2) demand notices, taking symbolic and physical possession under Section 13(4), conducting authorized auctions for asset recovery, and defending against borrower appeals under Section 17 before DRT. We also represent borrowers seeking to protect their rights against wrongful SARFAESI actions. Our expertise covers both commercial properties and residential assets across Delhi NCR and pan-India.

DRT & DRAT — Debt Recovery Tribunal Proceedings

Unified Chambers And Associates has extensive experience before all Debt Recovery Tribunal (DRT) benches in India. We handle Original Applications (OA) under the Recovery of Debts and Bankruptcy Act 1993 for debts exceeding ₹20 Lakh owed by banks and financial institutions. Our practice includes filing OAs, obtaining interim orders for attachment before judgment, cross-examination of witnesses, appeals before DRAT, and execution of Recovery Certificates. We have successfully represented both creditor banks and borrower-defendants in complex DRT matters involving multiple crores.

NPA Resolution & NCLT/IBC Proceedings

For Non-Performing Assets and corporate insolvency matters, we provide end-to-end advisory and representation before the National Company Law Tribunal (NCLT) under the Insolvency and Bankruptcy Code 2016. Our services include filing Section 7 (financial creditor), Section 9 (operational creditor), and Section 10 (corporate debtor) applications, representing creditors in Committee of Creditors (CoC) meetings, challenging resolution plans, and pursuing liquidation proceedings. We also advise on one-time settlement (OTS) negotiations with banks and pre-NCLT resolution strategies to avoid lengthy insolvency proceedings.

Civil Money Recovery Suits — District Courts & High Court

We file and prosecute civil suits for recovery of money before all District Courts in Delhi NCR and the Delhi High Court. Our practice includes Summary Suits under Order XXXVII CPC (for cases based on written contracts, bills of exchange, and promissory notes) which allow faster resolution, Regular Suits under CPC for complex matters, applications for attachment before judgment under Order XXXVIII Rule 5, and interim injunctions to prevent dissipation of assets. Post-judgment, we aggressively pursue execution through attachment of bank accounts, movable and immovable property, arrest warrants, and receivership.

Legal Notices & Demand Letters for Debt Recovery

A strong legal notice is the first and often most effective step in debt recovery. Unified Chambers And Associates drafts legally watertight demand notices under the Bharatiya Nyaya Sanhita (BNS), Bharatiya Nagarik Suraksha Sanhita (BNSS), Bharatiya Sakshya Adhiniyam (BSA), and Section 138 of the Negotiable Instruments Act. Our notices are drafted with precision — citing the correct legal provisions, clearly stating the cause of action, quantifying the claim with interest, and setting enforceable deadlines. Over 40% of our cases are resolved at the legal notice stage itself, saving clients the time and cost of litigation.

Our Debt Recovery Process — From Notice to Execution

A systematic, aggressive, and legally compliant approach to recovering your money — at every stage, through every court.

Free Case Assessment

Confidential review of your case — amount, debtor details, documents (cheques, agreements, invoices). We advise on the strongest legal route for recovery.

Legal Notice / Demand Notice

Formal demand notice drafted under BNS/BNSS and NI Act. Sent via Registered Post AD. For Section 138, strict 30-day timeline compliance ensured.

Filing of Case

Criminal complaint (Section 138), civil suit (Order XXXVII), DRT application, or NCLT petition — filed in the appropriate forum with all supporting evidence.

Aggressive Prosecution

Trial representation with evidence presentation, cross-examination, and interim compensation applications. We push for fastest possible resolution.

Judgment & Decree

Court order directing payment of outstanding amount with interest, litigation costs, and compensation. For Section 138, imprisonment up to 2 years or fine up to 2x cheque amount.

Execution & Recovery

Post-decree enforcement — bank account attachment, property seizure, arrest warrants, receiver appointment. We don't stop until your money is recovered.

Legal Frameworks We Practice Under

Negotiable Instruments Act 1881

Section 138 — Cheque bouncing. Section 141 — Company liability. Section 143A — Interim compensation.

SARFAESI Act 2002

Section 13(2) demand notice. Section 13(4) possession. Section 17 DRT appeal. Secured asset recovery.

BNS, BNSS & BSA 2023

Bharatiya Nyaya Sanhita, Nagarik Suraksha Sanhita, and Sakshya Adhiniyam — the new criminal and evidence framework replacing IPC, CrPC, and Evidence Act.

RDDB Act 1993

Recovery of Debts and Bankruptcy Act — DRT/DRAT proceedings for bank and financial institution debts above ₹20 Lakh.

Insolvency & Bankruptcy Code 2016

NCLT proceedings — Section 7, 9, 10 applications. CIRP process. Liquidation. One-time settlement advisory.

CPC & Arbitration Act

Order XXXVII summary suits. Order XXXVIII attachment before judgment. Arbitration and Conciliation Act 1996 for commercial disputes.

Our Track Record in Numbers

₹100Cr+

Total Debt Recovered

500+

Cases Successfully Handled

15+

Years of Legal Practice

95%+

Success Rate

Frequently Asked Questions About Debt Recovery in India

Who is the best debt recovery lawyer in India?

Advocate Subodh Bajpai, Senior Partner at Unified Chambers And Associates, is one of India's most trusted debt recovery lawyers. Practicing at the Delhi High Court, he specializes in Section 138 NI Act (cheque bouncing), SARFAESI, DRT proceedings, and high-value commercial debt recovery. He has successfully recovered debts ranging from ₹10 Lakh to ₹100+ Crore for businesses across India. He holds an MBA Finance from XLRI Jamshedpur and has been featured in Forbes, Business Today, and Moneycontrol. Contact Unified Chambers And Associates for a free consultation.

What is Section 138 of the Negotiable Instruments Act?

Section 138 of the Negotiable Instruments Act 1881 makes cheque bouncing a criminal offence punishable with imprisonment up to 2 years, or fine up to twice the cheque amount, or both. The payee must send a legal notice within 30 days of receiving the "cheque returned" memo from the bank. If the drawer fails to pay within 15 days of receiving the notice, the payee can file a criminal complaint within the next 30 days. Unified Chambers And Associates handles the entire Section 138 process from legal notice to decree execution.

How long does debt recovery take in India?

Timelines vary by forum: Legal notice response takes 15-30 days. Section 138 cheque bouncing cases typically take 6-18 months. DRT proceedings take 6-12 months. Civil suits take 1-3 years. SARFAESI can be initiated within 60 days of NPA classification. At Unified Chambers And Associates, we use aggressive litigation strategies including Summary Suits under Order XXXVII CPC and interim compensation applications to accelerate recovery timelines.

What laws govern debt recovery in India?

Key laws include: Negotiable Instruments Act 1881 (Section 138), SARFAESI Act 2002, RDDB Act 1993 (DRT/DRAT), Insolvency and Bankruptcy Code 2016 (NCLT), Bharatiya Nyaya Sanhita (BNS) 2023, Bharatiya Nagarik Suraksha Sanhita (BNSS) 2023, Bharatiya Sakshya Adhiniyam (BSA) 2023, Indian Contract Act 1872, Code of Civil Procedure 1908, and Arbitration and Conciliation Act 1996. Unified Chambers And Associates has expertise across all these frameworks.

Can a cheque bouncing case lead to imprisonment?

Yes. Under Section 138 of the NI Act, upon conviction the drawer faces imprisonment up to 2 years, or fine up to twice the cheque amount, or both. The Supreme Court in Meters and Instruments Pvt. Ltd. vs. Kanchan Mehta (2018) also allowed courts to direct interim compensation up to 20% of the cheque amount at the summoning stage itself. This makes Section 138 one of the most powerful debt recovery tools available in Indian law.

How to send a legal notice for money recovery in India?

Draft the notice clearly stating the amount owed, basis of claim, and payment deadline (15-30 days). For Section 138, the notice MUST be sent within 30 days of the bank memo. Send via Registered Post AD and Speed Post. Keep proof of dispatch and delivery. A lawyer-drafted notice under BNS/BNSS carries greater legal weight and ensures procedural compliance. Unified Chambers And Associates drafts legally watertight notices — over 40% of our cases resolve at the notice stage itself. Request a legal notice today.

Does Unified Chambers And Associates handle cases across India?

Yes. While headquartered in New Delhi with primary practice at the Delhi High Court and all District Courts of Delhi NCR (including Noida, Gurgaon, Ghaziabad, Faridabad), we handle debt recovery cases across India through our network of associate advocates. Pan-India services include legal notice drafting, Section 138 complaints, DRT proceedings (all benches), NCLT proceedings, and civil recovery suits. Adv. Subodh Bajpai personally handles high-value matters above ₹1 Crore.

Adv. Subodh Bajpai — As Featured In

Forbes India • Business Today • Moneycontrol • Fortune India • Entrepreneur India • Khaleej Times • India Today • Hindustan Times • LiveMint • BW Businessworld • VCCircle • ABP Live • Zee News • Business Standard

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Navigate Debt Recovery With Confidence — Unified Chambers And Associates

Adv. Subodh Bajpai's debt recovery services at Unified Chambers And Associates are structured to ensure you get your funds back as previously promised. He saves you the hassle of repeatedly approaching debtors without getting satisfactory results, leveraging his deep expertise in the subject. With an individualized approach to each case, he crafts a perfect blend of negotiation, legal measures, and communication. As a result, you are able to obtain your funds while adhering to legal regulations and ethical practices. With his prowess across a variety of debt types — commercial, consumer, banking — he guarantees a streamlined recovery process that maximizes your returns. Contact Adv. Bajpai at Unified Chambers And Associates to traverse debt recovery with diligence, expertise, and dedication to achieving the best outcomes.

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