Dr.Manish Kapoor - Mumbai

I am Dr.Manish Kapoor  ,39 years old working with a MNC in Pune .I currently hold 3 credit cards with limits totaling over 10 lacs and 2 personal loans totaling to 7 lacs which I am servicing  regularly and diligently. Recently I wanted a buy a new car and approached HDFC bank for the car loan. To my surprise I was told that my loan is rejected because there were some overdue on my credit card to the tune of 9 lacs. Also I was told that my score is 820. I was shocked and asked the bank to share the CIBIL report with me. Unfortunately they refused and asked me to apply for one with CIBIL. Immediately I applied for a CIR from CIBIL online by making the necessary payment.

On receiving my CIBIL report I saw there was a credit card account overdue by 9 lacs with an unknown financial institution to me in the name of SHAHA Finlease. I immediately thought that this could be a mistake and called CIBIL to confirm. But the representative from CIBIL in the call center confirmed that the account was mine and it was over due. I was wondering and still surprised about this on my CIBIL report and started searching for help on Google. That is when I came across Debt Doctor in Bangalore and I immediately called them and explained the whole situation. I was assigned one Marina from Debt Doctor who took all the details and promised to get back to me by end of day. Later in the evening I was called by Marina and she confirmed that the account was indeed mine and the original owner of the debt was Standard Chartered Bank in the year 1999. That’s  when it struck to me that during my first job I applied for a card and had one with SCB with a limit of 30000.I also realized that some payment was due and my card was blocked those days and I had completely ignored it as no one from SCB has called me all these years. Then Marina explained me the math behind how 30000 could become 9 lacs which was convincing mathematically. Now having got into such a situation I did not know what to do and how to solve and I decided to enroll with Debt Doctor for their Debt Negotiation and Settlement Services program.

Harish Prabhakar - Chennai

After enrolling the client services team at Debt Doctor immediately engaged in negotiating with Shaha finlease the new owner of the debt and arrived at a settlement of 75000 and ensured all the documentation was in place for the closure. This was a big sign of relief for me and I went ahead and settled the account. Not only that Debt Doctor also reapplied for my CIBIL report after the settlement and they also confirmed that the account the was closed in my CIBIL report.

I wrote this testimonial in detail so it could be of use to others in similar situation. I thank Debt Doctor for all the patience they have in listening to a situation like this and meticulously solve the whole issue as if it never existed. I would like to thank Marina in particular for the services she rendered to me in closing this issue. I wish Debt Doctor all the success and hope they help many more in similar situation.

Aparna More – New Delhi

I bought the CIR from CIBIL and realized that some of the account which I have closed and settled with Citibank in the past still appeared as overdue in my report. I filed dispute with CIBIL on  this  but got no resolution. When I called CIBIL they informed me to wait for 30 days and reapply. Even after doing that the issue was not resolved. I was politely informed by CIBIL that they will not be able to change anything unless the bank confirmed the new status and they asked me to contact the bank.

I called the call center number of Citibank several times and sent mails as requested by them. But even after may such follow-ups the issue was not resolved. During this time, I got a mailer from Debt Doctor on resolution to credit report related issues.  After enrolling with Debt Doctor I was assigned to be serviced by Vimala at Debt Doctor to handle my account. She requested for the necessary documents and helped me to draft a letter to Citibank. She also continuously coordinated amongst me, Citibank and CIBIL and finally after a month the problem was resolved. I sincere thank Vimala and Debt Doctor for all the efforts without which I would have still been running pillar to post.

Kaushik Makwana - Kolkatta

I work in a retail chain in Bangalore and earn a good salary. I went through a bad phase during 2008 - 09 when I did not have a job and during which I did not make regular payments of my card and loan accounts. However after I got my new job I managed to keep the accounts fairly decent if not perfect. I was not given any new loans or cards from any bank in the last two years and all my loans were rejected and the reason always was same, CIBIL score.

I also noticed that every time I applied for a CIBIL report my score was going down even though I was paying my dues on time. I could not understand why this was happening and at the same time I read about Debt Doctor in Deccan herald and approached them.

Debt Doctor understood my problem and analysed my CIBIL report. I was told that my score was going down because of the number of times I was applying for loans or cards with different banks. Then I was informed that I should completely stop applying for any new loans until the score is good for a loan or a card. After this they helped me to get a secured credit card from DCB and advised me on how to spend and make payments in a way where my score would increase over a period of time. No doubt this process took almost 14 months and today my score is 760.Also this helped me to get a home loan at the right time. I thank Debt Doctor for all the efforts they have put in advising me the right steps to be taken to increase the score. I wish them the best of luck for the years to come.

Sagar Nawle - Pune

In my bad times I had settled my accounts and the account which I settled was showing as settled post write off or just settled in my CIBIL report. But times have changed now and I am doing quite well in my business. I decided to rework on the status of my account which was settled. I approached Debt Doctor in the month of January 2012 and enrolled myself into the services of Debt Doctor to achieve the same.

Debt Doctor went carefully through all my accounts and approached the banks with whom I had settled on my behalf. After this they gave me a detailed work sheet on the amounts to be paid to the bank to change the status. The work sheet they provided was Greek and Latin to me as it had many terminologies of POS, DPD, and Penal Interest etc. I was later met by client service executives of Debt Doctor who explained me each and every component in the work sheet and arrived at the payment to be made to the banks. I was satisfied with the explanation and wrote out cheques to different banks as advised by Debt Doctor. After making those payments in March, I obtained a new CIBIL report in May. I am happy to see that the status of all the settled accounts are changed to closed and I feel more positive when I see my report now. I thank Debt Doctor for helping me to get the status changed and solve this issue so easily.

Rakesh Dass- Gurgaon

In 2007 there was an amount of 42000 due on my standard chartered bank credit card. One of the collection agency personals approached me and offered me one time settlement and confirmed to close the account at 15000. Exited about the waiver I borrowed money from my friends and closed the account by paying cash to the collection agent. I got a shock of my life when I received a call from shaha finlease for the outstanding of the same card and asking for Rs 1,90,000 .When I showed their staff the settlement letter of the SCB which the collection agent had given they confirmed that the letter was fake and there is no record o the settlement in the system of SCB. Since it is over 5 years, I had lost the phone number of the collection agent as well. That is when I searched on Google and came across Debt Doctor, they not only understood my dilemma but they also helped me to resettle the account with shaha finlease and also ensured the same was updated in my CIBIL report as well. I thank Debt Doctor for their help without which I would have been in a major problem with my CIBIL rating.

Ashish Bajpai - Bangalore

My name is Ashish and I work for food chain in Bangalore, I have borrowed money from several banks both personal loans and credit cards. Due to some medical emergency in my family I had to spend over 7 lacs on treatment and my financial situation had become worse and I completely stopped paying my personal loan EMI and credit card bills. One morning at about 8.30 am when I was about to leave home for work, I had two police man with an executive from Barclays Finance at my door wanting to see me. I met up with them and I was completely shocked with what they spoke to me. They had a non bail able warrant against me and the police had come to arrest me and produce me in the court. I completely broke down and did not know what to do, my wife was supportive and she started calling out her friends for any help we can get. One of our close family friends referred us to Debt Doctor and she called and explained the emergency of the situation. On hearing my state even before I enrolled or paid fees, Debt Doctor immediately sent out one of the panel of lawyers to the police station who came in and spoke to the police and the bank official. Also after some paper work I was asked to come to court after nine days to appear for the case and was left to go home. Though the entire process took more than 7 hours of time, I am happy I could manage to come out of this situation. Further Debt Doctor not only helped me in closing the account with Barclays, they also helped me in closing the case pending in the court as well. I thank Debt Doctor from the bottom of my heart for helping me through this situation without which it would have been a huge embarrassment to me and my family.

Mahesh R, Bangalore

I had applied for a Home Loan with LIC and was surprised when it got rejected. The LIC official said that my name is in CIBIL and that's why I can't get a loan. I didn't even understand what that meant. I was disappointed with the LIC official, as he wasn't even interested to explain what CIBIL was, or what it meant or what I should do next. I was left confused and frustrated.

I heard about Debt Doctor while listening to Radio Indigo. I'm so happy I went to them. Hats-off to their Credit Review team; Not only did they explain how Credit Bureau works and its purpose. They also helped me apply for my CIBIL report and helped me resolve the issue that got my loan rejected. Now they are advising me on which home loan product to apply based on my salary, and my needs for the home loan. With a big sigh of relief, I thank Debt Doctor for all their efforts to resolve my problem.

Rajesh, Hyderabad

In 2003, I went through financial difficulties and was not able to pay my credit card dues to Standard Chartered Bank. The bank offered me a settlement through one of their collection agencies in Bangalore. I was keen to settle so I ran-around seeking help from family & friends and borrowed the money and cleared the settlement.

Mid-2010, I started receiving calls from an agency in Mumbai claiming that I had a large due on the card with SCB and was threatened of legal action if I don't clear the amount. I immediately contact SCB who even, after several follow-ups were not able to provide the correct information. It was here that I asked Debt Doctor to help. Debt Doctor followed-up with the agency and the issue is now resolved. Last week, I got my CIBIL report with the update of the resolution. I'm so happy that my problem was resolved and credit history improved.

Muralidharan, Bangalore

The pressure of debt and its associated hardship has taken its toll over time on myself and my family, but because of Debt Doctor I have been able to get on with my life without the dread every morning of who is going to knock the door or call me at home.

I have always wanted to pay off what I owe to everybody, but this would not have been possible without Debt Doctor. I have no doubt that under different circumstances I would have vanished without trace.

Through a number of Debt Doctor Staff, I have had calm support and down to earth advice, most often when I needed a stick to support on. For that, again, thank you.

I wish you all health and prosperity, it is well earned.

Karan Jeet Singh, Mumbai

"Thank you so much for all your help on our debt problems. You have made me believe that we can get out of this problem in a very short time and be able to save a lot of money as well. Talking with you was like talking with a friend. You were not judgmental and did not make me feel like a bad person like so many banks have done. I believe that Debt Doctor is the solution that we have been looking for. I look forward to working with you in the future. I recommend this program to anyone who is stressed and worried about their debt."

Chitra Prabhakar, Bangalore

When I got bed ridden after the road accident, I tried to accommodate all my creditors, but it became impossible. Your company was recommended to me by a friend and that saved my life.

Your great cooperation enabled me to pay off my creditors. I thank you again for your great help in this matter. I would be doubly pleased to recommend your services to anyone in need.

Kiran Kumar, Bangalore

After I lost my job during the recession, I concluded that it would be impossible for me to move forward in life. I was repenting for all the decisions which I had done during my good days including availing of 6 personal loans, 5 cards and a very large home loan to buy my dream property. One month after I lost my job everything came crashing down like a pack of cards. I thought about ending my life many times until I came across the small news paper insert about you. The moment I logged on to your website I felt the hope and power to face the banks with your help. I took a good decision 6 months ago and enrolled myself into your Debt Management Program. After that there has been no looking back, I am extremely happy with your services and the way you have been negotiating and closing all my accounts one by one.

I am deeply obliged to recommend your services to the people who are sailing in the same boat as I was. I wish Debt Doctor all the best and thank you one again.

James Zackaraiah, Bangalore

My phone used to ring like a public phone through the day and night until I went to bed. I had to answer all the calls and no options, because the moment I ignored the calls the call would start flowing to my house where my aged father and mother live. That is right I am talking about the collection calls from the banks and recovery agency from whom I have availed credit cards, personal loans. I read the ad in the newspaper about Debt Doctor and I walked into to the Debt Doctor office at Bangalore. Debt Doctor team listened to me carefully for over two hours , analyzed my situation and offered to help me to get out of the situation I was in. Four months from there here I am, my mobile stopped ringing and no call to my parents as well. I feel I have taken control of my financial life and with ongoing consultation with Debt Doctor , I feel I am secure and walking towards what Debt Doctor team always prescribes "GET OUT AND STAY OUT OF DEBT"

Martin, Chennai

"I have been working with Debt Doctor for around 6 months on 7 different accounts. I would like to inform you that in my dealings with this company, I found that they are the most honest company I have dealt with over the phone; I can count on Debt Doctor whenever I need a question answered. They answer the phone about 90% of the time when I call, and if they don't, I promptly get a call back. Debt Doctor always explain the process in detail, and takes the time to make sure I understand. I always feel better after talking to Debt Doctor; they know their job very well and are right on with the answers and advice they have given me thus far.


Roshan, Bangalore

This note is to thank you all so very much for your help and support in our struggle to gain control of our lives without credit. It has been a constant uphill battle for the last 10 years and it is such a relief to finally have only ourselves to answer to. We thank our lucky stars everyday that we found your ad in the paper and followed up on it. This year has been an incredible year for us so far and is largely due to all of your efforts.

Please hang in there and know that the job you have is making a tremendous difference in people’s lives.

Ranjini Iyer, Bangalore

After having contacted banks myself, they temporarily reduced my payments, but that did not totally help. It would have worked perfectly if we did not eat for the next year. Thanks to debt Doctor for putting food on my table again!

Things got easy right from the start. From the first consultation I knew I had made the right move in calling you fine people. I knew I could afford the payments you suggested and things were actually a bit better than I expected. It`s so nice to speak to people who are friendly and helpful. I just wish I had found your service earlier in my life!

Mrs. Dorothy Sugumaran, Bangalore

I'd like to tell you the story of how I came to use Debt Doctor as a solution to my debt problems...My husband and I were deeply in debt and could not make our monthly payments. It had gotten to the point where we stopped answering our phone for fear it would be one of our creditors calling. That's when I said a prayer and asked God what to do. Later that same day, I happened to see an advertisement for Debt Doctor - Debt Management program in a newspaper. So, I called and we joined the program. Six months now we have the peace of mind and confidence in ourselves and feel that we have once again taken control of our life financially! Simply stated, 'When you let go and let God do His thing, WOW, look at the results!' May God bless Debt Doctor and its team of counselors."


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