Debt Resolution & NPA Advisory
IBC insolvency proceedings, DRT debt recovery, one-time settlement with banks, SARFAESI defence, and debt restructuring — resolving financial distress on both the creditor and borrower side.
Debt Resolution Enquiry
Confidential — creditor and borrower mandates handled.
IBC 2016
Insolvency & Bankruptcy Code
DRT Chennai
Debt Recovery Tribunal
OTS / Recast
Restructuring solutions
CA + Advocate
Integrated advisory
Debt Resolution Services
IBC — Corporate Insolvency (CIRP)
Initiation of Corporate Insolvency Resolution Process (CIRP) before NCLT on behalf of financial creditors (Section 7) and operational creditors (Section 9) — the most powerful debt recovery tool for corporate debtors.
- Section 8 demand notice drafting
- Section 9 NCLT petition filing
- Section 7 (financial creditor) petitions
- IRP & Resolution Professional coordination
DRT — Debt Recovery Tribunal
Recovery of financial debts above ₹20 lakh before the Debt Recovery Tribunal — filing Original Applications (OA), interim attachment orders, and execution proceedings.
- Original Application (OA) filing
- Interim attachment orders
- DRT appeal (DRAT)
- Bank-side OA defence
One-Time Settlement (OTS)
Advisory on negotiating one-time settlements with banks and NBFCs for NPA accounts — from initial offer formulation to final settlement agreement and NOC.
- OTS eligibility assessment
- Bank negotiation strategy
- Settlement offer drafting
- NOC and lien release
Debt Restructuring
Restructuring of existing debt facilities — moratorium, interest rate reduction, tenure extension, and conversion of debt to equity — under RBI restructuring frameworks.
- RBI restructuring frameworks
- Moratorium negotiations
- Working capital rescheduling
- Debt-to-equity conversion
SARFAESI Defence
Advisory and representation for borrowers facing action under SARFAESI Act — possession notices (Section 13(2)), DRT appeals, and Debt Recovery Appellate Tribunal (DRAT) representation.
- Section 13(2) notice response
- DRT appeal filing
- Stay of possession orders
- DRAT representation
Personal Insolvency (IBC Part III)
Insolvency resolution for individuals and personal guarantors under IBC Part III — fresh start process, insolvency resolution process, and bankruptcy proceedings.
- Fresh Start Process (FSP)
- Individual Insolvency Resolution (IRP)
- Personal guarantor insolvency
- DRT for personal debt resolution
What JCA Debt Resolution Delivers
Fastest Recovery Path
IBC Section 9 petitions trigger a 10-day statutory response deadline — often leading to full payment within weeks before the NCLT even admits the petition.
Statutory Moratorium
Once CIRP is admitted, an automatic moratorium protects the corporate debtor's assets — preventing creditors from taking unilateral enforcement action.
OTS Cost Savings
A well-structured OTS proposal can settle NPA debt at 30–60% of outstanding — preserving the borrower's business while clearing the liability.
CA + Legal Integration
JCA's CA team quantifies the debt position, loss of interest, and damages while advocates manage the NCLT/DRT proceedings — stronger cases.
SARFAESI Defence
Borrowers facing SARFAESI possession notices get immediate advisory on challenging the action at DRT — protecting business assets from hasty bank action.
NCLT & DRT Chennai
Regular practice before NCLT Chennai Bench and DRT Chennai — established relationships and procedural expertise.
Debt Resolution — Frequently Asked Questions
Facing Debt Stress or NPA?
JCA advises both creditors pursuing recovery and borrowers seeking resolution — confidential, experienced, and results-focused.