Borrowers and businesses
Replies to SARFAESI notices, Section 17 applications before the DRT, defence in recovery OAs, and challenges to NPA classification for MSMEs and individuals.
DRT, DRAT and SARFAESI practice
About DRT Advocates
DRT Advocates is a legal practice that works almost entirely on one kind of problem: disputes with banks and financial institutions that end up before the Debt Recovery Tribunal or the DRAT. Led by Advocate B.K. Singh, we act for borrowers, guarantors, property owners and businesses across India, and for lenders who need recovery matters handled properly.
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- 1000+DRT and DRAT matters assisted
- 20+Years in legal practice
- All IndiaDRT and DRAT benches covered
- SC & HCWrits and appeals in higher courts
Why a practice that does only bank recovery work
Most people who come to us have never been to a tribunal before. They have a notice in their hand, a deadline they don't fully understand, and a bank that has stopped returning their calls. Some are business owners whose working capital dried up after one bad year. Others are guarantors who signed a document a decade ago for a brother or a friend. A few are tenants who woke up to a possession notice on a building they don't even own.
"People often reach us when they are already scared and short of time. My first job is to read every paper the bank has sent, explain where they actually stand, and tell them honestly what can be done and what cannot."
Advocate B.K. Singh
DRT and SARFAESI law runs on short limitation periods and technical notices, and small mistakes by either side change outcomes. That is why we have kept the practice narrow. Day after day we work on Section 13(2) replies, Section 17 applications, auction challenges, recovery OAs, guarantor defence, DRAT appeals and one-time settlements, so we know where banks tend to slip and where borrowers tend to lose time.
We don't promise results. We promise to read the file properly, file on time, and keep you informed at every stage.
Where our work has been mentioned
See all media coverage
Who we help, and how
Recovery disputes look similar from the outside, but a borrower, a guarantor and a tenant each need a different plan. Here is how we usually help.
Guarantors and co-borrowers
A close look at what the guarantee actually covers, whether the loan terms were changed without consent, and whether the bank followed the right process before coming after you.
Property owners and tenants
Stay of bank auctions, objections in Section 14 possession proceedings, and protection of tenancy rights when a bank moves against a building.
Appeals and higher courts
DRAT appeals under Section 18 SARFAESI and Section 20 RDB Act, pre-deposit applications, writ petitions in the High Court and SLPs in the Supreme Court.
Settlements with banks
One-time settlement proposals and negotiations alongside the litigation, with care that the final letter closes the account and releases the security and guarantors.
Banks, NBFCs and ARCs
Recovery applications, execution of recovery certificates and Recovery Officer proceedings, handled with the same attention to procedure we bring to the other side.
How we take a matter forward
Every file is different, but the work tends to move through the same four stages.
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Step 1
Listening and reading
We hear your side, then read the sanction letter, notices, account statements and any orders already passed. Deadlines are worked out on day one.
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Step 2
Checking the bank's paperwork
We look for gaps in the notices, valuation, publication and NPA classification, the details that often decide a SARFAESI case.
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Step 3
Choosing the route
A reply, a Section 17 application, a defence, an appeal or a negotiated settlement. You get our honest view of each option, its cost and its risks.
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Step 4
Filing and appearing
We draft, file and appear before the DRT, DRAT or court, and update you after every hearing so you are never guessing.
What you can expect from us
We listen first
Your situation is understood before any advice is given. No two loan accounts are the same.
Confidentiality
Financial trouble is personal. What you share with us stays with us.
Plain language
We explain your rights and options without legal jargon, so you can make your own decisions.
Focused experience
Our daily work is DRT, DRAT and SARFAESI law, not a little of everything.
Honesty about outcomes
We tell you what is realistic, including when settling makes more sense than fighting.
Organised, step-by-step support
From documents to hearings, you always know what happens next and what we need from you.
In our clients' words
Reviews shared by people we have worked with on Google. Every case depends on its own facts, and past results don't predict future outcomes.
Testimonial
What People Are Saying About DRT Advocates
Holding a notice from your bank?
Send it to us with any papers you have. We will go through them, tell you which deadline matters most, and explain your options in plain words.
