Dedicated Negotiation Desk
Seasoned specialists engage with every bank, NBFC, and card issuer to cap interest, waive penalties, and structure viable settlements.
Credit Card Overdue Problems
Falling behind on multiple credit cards? Our negotiators step in to freeze harassment, reduce penalties, and secure practical repayment or settlement plans tailored to your income.
Why Choose Expert Support for Credit Card Problems?
Compliance-Ready Documentation
Every proposal and acceptance letter follows RBI and bank guidelines so your agreement is watertight and transparent.
Cash-Flow Based Plans
We map your monthly budget, essential spends, and inflows before recommending staggered payments or one-time settlements.
Harassment Protection
Our team intercepts recovery calls, drafts responses, and ensures collection agents follow legal boundaries.
Trusted by 35,000+
Service Statistics
35,000+
Happy Clients Served
₹1500+ Cr
Loan Amount Resolved
15,000+
Harassment calls handled
24-48h
Response Time
Credit Card Problems We Resolve
Problem
Multiple Maxed-Out Cards
Our Solution
We prioritize high-risk cards, consolidate negotiations, and secure phased settlements you can afford.
Problem
Penalty & Interest Explosion
Our Solution
Our team negotiates waiver of penal charges and reduces compounding interest to a manageable figure.
Problem
Legal or 138 Notices
Our Solution
Legal partners draft responses, prevent escalation, and resolve dues before court matters intensify.
Problem
Aggressive Collection Calls
Our Solution
We reroute calls to your case manager, document harassment, and engage lenders through compliant channels.
Problem
Credit Score Damage
Our Solution
Post-settlement, we help you obtain NOC/NDC and raise bureau disputes to clean up inaccurate remarks.
Problem
Limited Monthly Cash Flow
Our Solution
Get payment plans linked to your income cycle so you never default on essentials while clearing card dues.
Four Simple Steps to Resolve Credit Card Overdues
1
Enrollment
Share overdue statements & notices
Account Audit
- Review card statements & collection notices
- Understand last payments & DPD status
- Prioritize cards based on risk
Strictly confidential
2
Consultation
Strategy call with senior expert
Strategy Blueprint
- Freeze interest/charges negotiation plan
- Decide settlement vs restructuring
- Assign dedicated case manager
Personalized attention
3
Action Plan
Bank & NBFC negotiations
Negotiation & Documentation
- Conduct structured lender conversations
- Get offers in writing from lenders
- Clarify payment timelines & NDC process
Confidential strategy
4
Support
Payment & closure assistance
Settlement Execution
- Guide you during payment or OTS
- Secure bank confirmation letters
- Monitor bureau updates & disputes
Privacy assured
Take Control of Your Card Debt
Stop relentless collection calls and clear overdue credit cards with confidence.
Get Expert Help NowFinancial stress is temporary when you have expert guidance.
What Our Clients Say
I am really thankful to Expert Support for helping me to resolve my personal loans. I never knew that it was possible! I had almost given up and reconciled to my fate that I will be considered a defaulter for the rest of my life. In less than 18 months, I am now debt free!
I was being harassed by recovery agents for the last 5 months and then Expert Support came to the rescue! Their program is the best solution to get out of heavy debt and I am really thankful to them that they saved me from going bankrupt.
Thank you for solving my loan default problem. I can't imagine how I would have solved it on my own. Working with you was a great relief!
Hi Expert Support team, your support has been fabulous! I have been through very difficult times post COVID to continue paying back my loans and cards. Due to job issues and the pandemic, I really lost my way to pay back my EMIs. With Expert Support being so patient with me, I am able to handle the situation and my emotional state as well. I can always recommend services from Expert Support.
I have been taking Expert Support's services since April. As a first-time defaulter, I was too scared to face all the banks and did not know how to talk to them and handle the situation gracefully, but they have been very helpful. Very supportive and proactive. They handled all situations with ease when I sometimes lose my cool. One of my cards was resolved very recently with all their help. So, Thank you Expert Support.
My special thanks to Expert Support for helping me negotiate with the lender banks HDFC/SBI/KOTAK. Kudos for the regular follow-up, resolving my loan, and helping me come out of debt within the committed timeline. Thank you, Expert Support Team.
When you are in financial distress and pain, it is difficult to think clearly and make good decisions. During my uncertain time, I have always received great advice from the Expert Support team. Everyone I've interacted with has been really helpful and has understood my situation, always providing the best solution and constant support.
I have started using Expert Support services. I am satisfied with them. They listen to our problems patiently and guide us whenever required. And their core team of lawyers and financial advisors is supportive and helpful. Their guidance will help resolve all the loan and credit card payment issues.
Excellent service from Expert Support! They helped me settle my multiple credit card debts efficiently. The team was professional, responsive, and always kept me informed throughout the process. I highly recommend their services to anyone struggling with debt.
I was struggling with multiple loan EMIs and credit card payments. Expert Support helped me consolidate everything and negotiate better terms with all my lenders. The process was smooth and transparent. Thank you for giving me peace of mind!
The team at Expert Support is amazing! They understood my financial situation and provided a customized solution. Their constant support and guidance helped me clear all my debts. I'm now debt-free and couldn't be happier. Highly recommended!
After months of stress and harassment from recovery agents, Expert Support came to my rescue. They handled all negotiations professionally and helped me settle my debts at much better terms than I expected. The entire team is knowledgeable and supportive.
Frequently Asked Questions
Yes. Even written-off or charged-off credit cards can be settled. We coordinate with the bank or collection agency to arrive at a final settlement amount and get it documented.
A settlement will be marked on your bureau, but it is still better than “loss” or “write-off” status. We guide you on rebuilding credit and ensuring the lender updates the record correctly.
Absolutely. We handle traditional banks, NBFCs, fintech cards, and BNPL issuers. Each lender has its own escalation matrix that we follow.
Simple cases may close within 2–4 weeks. Complex multi-card matters may take 60–90 days depending on lender approvals and your readiness to make payments.
We have a transparent enrollment fee and a success-linked component payable only after a signed settlement or restructure is completed.
Resolve Overdue Credit Card Bills Today
With structured negotiation and legal protection, you can settle your credit card dues without fear of harassment or hidden clauses.
Get Expert Help Now