Personal Finance Tips
5 min read
Can Banks Freeze Your Account Without Court Orders?
Can banks freeze your account without a court order? Learn when account freezes are legal, when they become unlawful, and what remedies borrowers have in India.
Vani Jain
Vani Jain holds a BBA (Bachelor of Business Administration) degree from Kolkata. While working, she developed a keen interest in writing blogs, eventually helping people understand loan terms, EMI schedules, and more.
Browse 18 articles by Vani Jain
Personal Loan Resolution
4 min read
Settlement Is Not Legal Closure: What Borrowers Must Know After Final Payment
Debt settlement is not complete without proper documentation, and relying on verbal assurances can expose borrowers to legal risks. This article explains common post-settlement pitfalls, CIBIL errors, recovery calls, and why written settlement and closure letters are essential to legally close a loan and prevent future claims.
Personal Loan Resolution
4 min read
Smart Ways to Close Your Home Loan Early
Learn simple repayment strategies to close a 15-year loan much faster. Step-up EMIs, lump-sum prepayments, and small extra payments can together cut years off your tenure.
Personal Loan Resolution
4 min read
7 Signs You’re Falling into a Debt Trap and How to Get Out
Learn key signs of falling into a debt trap and practical ways to overcome it. Manage debt wisely and protect your financial future.
Scam Awareness
4 min read
The Legal Fallout of Morphed Images by Loan Apps: A Real Problem in the Digital World
Loan apps misusing morphed images to threaten borrowers are a growing menace. Learn your legal rights, how to file complaints, and claim compensation.
Scam Awareness
3 min read
Loan Apps and Blackmail: How Your Contacts Can Be Used Against You
Fraud loan apps don’t just trap you with high interest rates — they invade your privacy, misuse your contacts, and blackmail borrowers into repayment. Learn how to protect yourself and what steps to take if you’ve already been targeted.
Scam Awareness
4 min read
When Loan Apps Misuse Your Gallery: Understanding Consent and Cyber Law
Learn how Indian law protects you when loan apps misuse your gallery or contacts, including your rights under the IT Act, DPDP Act, and Constitution.
Credit Card Debt Resolution
3 min read
How to Get a Legally Binding Credit Card Settlement Agreement?
Learn how to secure a legally binding credit card settlement agreement in India and protect yourself from future claims, harassment, or legal issues.
Stop Recovery Agent Harassment
3 min read
Know These 5 Recovery Agent Red Flags!
Learn the top 5 warning signs of illegal recovery practices by agents and how to protect your rights with legal steps and RBI support.
Personal Loan Resolution
3 min read
Section 138 and EMI Defaults: Can You Be Sued Over a Bounced Cheque?
A bounced EMI cheque in India can trigger legal action under Section 138 NI Act. Understand the law, your rights, and how to respond effectively.
Personal Loan Resolution
3 min read
Personal Loan Boom: Fading Fast or Just a Pause?
Personal loan growth has slowed, signaling a shift in the credit landscape. As banks tighten lending, borrowers must rethink their debt strategies. This slowdown offers a crucial chance to consolidate debt, build savings, and improve financial literacy. Learn how to adapt your borrowing habits in this changing economic climate.
Personal Finance Tips
3 min read
Are You Leaving Money on the Table? Unlock Smart Savings on Your Home Loan
Are you overpaying on your home loan? Discover how RBI rules, EMI tweaks, and proactive steps can help you save big. From reducing interest costs to smart lender switches, take control of your finances today. Is your home loan working as hard as it should for you?
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