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What is a Recovery Suit and When Do You Need Them?

A recovery suit is a legal case filed to get back money someone owes you. This includes loans, business debts, unpaid bills, or any financial obligation the other party hasn't paid.

Recovery suits provide a legal way to collect debts through the court system. At Metis Law Chamber, we have recovered substantial amount of money for our clients through strategic recovery litigation. We handle all types of money recovery cases with high success rate.

Types of Money Recovery Cases We Handle:

  • Personal loan recovery : Money you lent to friends, family, or individuals
  • Business debt recovery : Unpaid dues from business deals and transactions
  • Trade debt recovery : Supplier payments and commercial dues
  • Professional fees : Unpaid fees for services you provided (legal, medical, consulting, etc.)
  • Rent recovery : Outstanding rent and maintenance charges from tenants
  • Contract payment recovery : Money owed under written or verbal contracts
  • Bounced cheque recovery : Dishonored cheques under Section 138 NI Act
  • Invoice recovery : Unpaid invoices for goods sold or services rendered

How We Help You Recover Your Money

We start by sending a legal notice demanding payment. If the debtor doesn't pay, we file a recovery suit in civil court. Our approach includes:

  • Thorough documentation of the debt
  • Strategic legal notices
  • Civil court litigation
  • Execution of court decrees
  • Asset attachment when necessary

The better your proof (loan agreements, invoices, receipts, bank transfers, WhatsApp messages), the faster we can recover your money.

  └─ Complete Recovery Suit Process for Money Recovery

1

Debt Analysis & Legal Assessment

Comprehensive evaluation of debt documentation, debtor's financial capacity, and assessment of recovery prospects and legal strategy.

2

Legal Notice & Demand

Issue formal legal notice demanding payment within stipulated time period as prerequisite for filing recovery suit.

3

Recovery Suit Filing

File money recovery suit in appropriate court with complete documentation under regular suit or summary suit procedure.

4

Court Proceedings & Defense

Handle court proceedings, respond to defendant's objections, present evidence, and secure favorable money decree.

5

Decree Execution & Recovery

Execute court decree through asset attachment, bank account seizure, property sale, or other enforcement mechanisms.

6

Actual Money Recovery

Ensure complete recovery of decreed amount including principal, interest, and legal costs through various execution methods.

  └─ Types of Money Recovery Cases We Handle

We handle all categories of recovery suits with specialized expertise and proven strategies:

Personal Loan Recovery:

  • Friend/Family Loans: Money lent to friends, relatives, or acquaintances
  • Private Lending: Individual-to-individual loan arrangements
  • Advance Money Recovery: Advances given for services or purchases
  • Security Deposit Recovery: Refund of security deposits and advances
  • Partnership Investment: Recovery of partnership capital and profits

Business Debt Recovery:

  • Trade Creditor Recovery: Outstanding supplier and vendor payments
  • Service Fee Recovery: Unpaid professional and consultation fees
  • Commission Recovery: Agent and broker commission dues
  • Contract Payment Recovery: Outstanding payments under business contracts
  • Work Order Dues: Unpaid amounts for completed work orders

Commercial Recovery Cases:

  • Bank Recovery: Personal and business loan recovery by banks
  • NBFC Recovery: Recovery by non-banking financial companies
  • Corporate Debt Recovery: Inter-company debt and trade dues
  • Insurance Claims: Recovery of insurance claim amounts
  • Investment Recovery: Recovery of investment amounts and returns

Property-Related Recovery:

  • Rental Recovery: Outstanding rent, maintenance, and utility dues
  • Property Sale Dues: Unpaid amounts in property transactions
  • Construction Payment: Recovery from builders and contractors
  • Lease Amount Recovery: Outstanding lease rentals and deposits

Frequently Asked Questions About Recovery Suits

What is the time limit for filing a recovery suit?

Generally 3 years from the date when debt becomes payable. However, this period can extend if debtor acknowledges debt in writing or makes part payment. Each case needs individual assessment.

Can I file recovery suit without written agreement?

While written agreement strengthens the case significantly, recovery suits can be filed based on electronic evidence like WhatsApp messages, bank transfers, and witness testimony proving the debt.

What is the difference between summary suit and regular suit?

Summary suit is faster (3-6 months) for clear documentary cases, while regular suit takes 1-3 years but allows full defense. Summary suit has higher success rate but limited to specific types of debts.

How much does it cost to file a recovery suit?

Court fees are 7% of claim amount. Legal fees range from ₹25,000-₹2,00,000 depending on case complexity and court level. Total cost typically 15-25% of claim amount.

What happens if debtor has no assets for recovery?

Court decree remains valid for 12 years. You can execute whenever debtor acquires assets. Options include salary attachment, future property acquisition, or settlement negotiations.

Can debtor be arrested for not paying money decree?

Civil prison detention is possible but rare, only for willful non-payment despite having capacity to pay. It's used as last resort and requires specific court procedures.

Is it better to settle out of court or file suit?

Settlement is faster and cheaper if debtor is cooperative. Court suit is necessary for uncooperative debtors but takes longer. We assess each case to recommend the best approach.

Why Choose Metis Law Chamber for Recovery Suits?

300+ Recovery Cases Handled

Strong track record of successful money recovery across all types of debts including personal loans, business dues, and commercial obligations.

High Success Rate in Courts

High success rate in recovery litigation through comprehensive case preparation, evidence analysis, and expert legal representation.

Summary Suit Expertise

Specialized knowledge in Order 37 summary procedures for faster debt recovery in clear liability cases with proper documentation.

Complete Execution Services

Comprehensive debt recovery services including decree execution, asset attachment, and actual money recovery from debtors.

Client Testimonials – Recovery Suit Matters

AV

Aman Verma

Chandigarh

⭐⭐⭐⭐⭐

"I consulted the firm for a money recovery matter. The lawyers explained the recovery suit process clearly and advised me on documentation and legal options."

NB

Neha Bansal

Mohali

⭐⭐⭐⭐⭐

"The legal team guided me through a recovery suit professionally and explained the differences between summary and regular suits."

RM

Rohit Malhotra

Panchkula

⭐⭐⭐⭐

"I received practical advice regarding execution proceedings and recovery options after obtaining a decree."

SG

Sanjay Gupta

Chandigarh

⭐⭐⭐⭐⭐

"The lawyers helped me understand the recovery suit process and handled the court proceedings in a structured manner."

PS

Pooja Sharma

Mohali

⭐⭐⭐⭐

"Clear legal guidance was provided regarding limitation, court fees, and recovery strategy. Overall a professional experience."

VA

Vikas Arora

Kullu

⭐⭐⭐⭐⭐

"I appreciated the honest assessment of my recovery case and the explanation of possible legal remedies."

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