Insights
How receivables, recovery and enforcement actually work in India — written by the people who do it.
Three series: receivables practice, recovery practice, enforcement in India. Guides carry a sources-and-regulation table; points of view carry a name.
Recovery practice
The seven B2B debt collection mistakes that lose recoveries, and the practices that work
What the failed recoveries have in common, and the practice that answers each mistake.
Guide · Swapnil Shetty
Recovery practice
Automation and AI in debt collection: what it can and cannot do
Software reminds; people recover. What to ask any platform or agency.
Guide · Swapnil Shetty
Recovery practice
B2B debt settlement: from negotiation to resolution
When to negotiate, what to concede, how to structure it, how to make it stick.
Guide · Shraddha Rathod
Recovery practice
Debt collection for MSMEs: the 45-day rule, MSME Samadhaan and the Facilitation Council
The law most small suppliers never use — and what buyers should know about it.
Guide · Shraddha Rathod
Receivables practice
Assessing a customer's credit risk before you extend credit
Five sources of evidence, the green and red flags, and the first limit.
Guide · Shraddha Rathod
Receivables practice
Invoice hygiene: the invoice that gets paid
Most late payments begin on the invoice. The fields, references and proofs that get it paid.
Guide · Swapnil Shetty
Receivables practice
Dispute management: why unresolved disputes become unpaid invoices
A named owner, a visible age, a forced outcome — and never a whole invoice held for a small dispute.
Guide · Swapnil Shetty
Recovery practice
Bad debt: when to keep pursuing and when to write off
Three tests, an honest write-off, and why write-off is not the end of the claim.
Guide · Swapnil Shetty
Receivables practice
Receivables factoring versus debt collection: which problem are you solving?
Cash today, or cash that was due yesterday — and the third option most businesses need.
Guide · Swapnil Shetty
Recovery practice
What debt collectors can and cannot do in India
The rules, what to demand from any agency acting in your name, and the register that proves the brand.
Guide · Shraddha Rathod
Enforcement in India
Enforcing a claim against an Indian company from abroad
The fresh Indian route, foreign judgments and awards, and which is faster.
Guide · Shraddha Rathod
Enforcement in India
Arbitration and mediation for commercial dues: when the contract decides the route
The clause nobody read, mandatory mediation, and when each recovers more than a suit.
Guide · Shraddha Rathod
Receivables practice
Accounts receivable: meaning, process, and how to manage it
What it is, how the process runs from invoice to cash, the three numbers that describe a book, and how large Indian businesses manage it.
Guide · Swapnil Shetty
Enforcement in India
Section 138 of the Negotiable Instruments Act, explained
What the section says, the conditions, the complaint, punishment, defences, and what it means for a creditor.
Guide · Shraddha Rathod
Recovery practice
How B2B debt collection actually works in India
From first reminder to last resort — the stages, what debtors do at each one, and where most business collection resolves.
Guide · Shraddha Rathod
Recovery practice
Skip tracing in debt collection: finding the debtor who has stopped answering
What it is, how a business is traced lawfully in India, and when it is the wrong tool.
Guide · Shraddha Rathod
Enforcement in India
Section 9 of the IBC: the operational creditor's route
What a petition does to a corporate debtor, the threshold, the dispute defence, and when we advise against it.
Guide · Shraddha Rathod
Receivables practice
Days sales outstanding: what the number measures, what it hides, and how to bring it down
The formula, the traps in it, and the levers that move it.
Guide · Swapnil Shetty
Receivables practice
Credit control for mid-market Indian companies
Terms, limits, the escalation ladder and who owns it.
Guide · Swapnil Shetty
Receivables practice
Payment follow-up emails that get paid
Templates for each stage, and what changes between them.
Guide · Swapnil Shetty
Receivables practice
The late-payment excuses every credit head hears, and the responses that work
The cheque is in the post, and eleven others.
Guide · Swapnil Shetty
Enforcement in India
Demand notice for unpaid invoices: what it must contain
The difference between a notice that settles and one that gets ignored.
Guide · Shraddha Rathod
Enforcement in India
Suit for recovery of money in India: summary suit, civil suit, cost and time
Order 37, the commercial courts, attachment before judgment.
Guide · Shraddha Rathod
Enforcement in India
Cheque bounce and Section 138: the practical route
Strict timelines, strong consequence, and the mistakes that lose the case.
Guide · Shraddha Rathod
Recovery practice
When to hire a B2B debt collection agency, and what to ask before you do
Five signs, seven questions, and what each fee model actually buys.
Guide · Shraddha Rathod
Recovery practice
B2B debt collection FAQs
Process, timelines, legality, fees, what to send, and what happens if the debtor will not pay.
Guide · Shraddha Rathod
Point of view
"No recovery, no fee": what the fee hides, and what to demand
A success fee is only honest when the agency does the work that does not pay. What to ask for — from anyone, including us.
Point of view · Swapnil Shetty
Discuss your receivables
Tell us where you are on the curve. A practitioner — not a sales desk — reads every enquiry and replies within one working day.