DRT litigation
Recovery cases before the DRT
- Defending recovery applications filed by banks and financial institutions
- Replies and defence in loan recovery proceedings
- Scrutiny of the amount claimed, interest rates, charges and repayments made
DRT, DRAT and SARFAESI lawyer
Advocate B.K. Singh
Representing borrowers and businesses before the Debt Recovery Tribunal
Advocate B.K. Singh advises borrowers, guarantors, property owners and businesses facing bank recovery notices, SARFAESI action and litigation before the Debt Recovery Tribunal and the DRAT. He handles loan-account disputes for clients across India.
DRTDebt recovery litigation
DRATAppeals against DRT orders
SARFAESIPossession and auction disputes
- 19+Years of practice
- SC & HCSupreme Court and High Courts
- All IndiaDRT and DRAT benches
- 24x7Legal support
Focused representation in DRT and SARFAESI disputes
Advocate B.K. Singh leads the practice and appears before the Debt Recovery Tribunals and the Debt Recovery Appellate Tribunal.
When a bank or financial institution files a recovery case, the outcome often turns on the loan papers, the account statements and what the lender actually communicated. Advocate B.K. Singh represents borrowers and businesses against whom such proceedings have been started, and prepares the reply or defence the case needs.
Every matter is built on the facts. The transaction history, the loan documents and the lender's correspondence are reviewed first, and the legal arguments are worked out from there. Having handled the recovery of unpaid loan accounts for years, he knows how these cases are put together from the lender's side, and he uses that understanding when preparing a borrower's defence.
Matters handled before the DRT and DRAT
Typical disputes we see
- Real estate disputes
- Business loans in default on working-capital payments
- Commercial property secured with banks and taken under SARFAESI
- Loan guarantees and the liability of guarantors
- Businesses and borrowers facing proceedings in the DRT
SARFAESI notices
Demand notices, possession and sale objections
- SARFAESI demand notices under Section 13(2)
- Replies and objections to SARFAESI notices
- Review of possession notices and the measures taken against secured property
Bank auctions
Challenges to bank auctions
- Auction and sale notices issued by banks
- Legal review of the auction process
- Disputes over sale certificates and the transfer of secured property
DRAT
DRAT appeals
- Appeals against DRT orders
- Assessing whether an appeal lies, as the DRAT hears appeals on limited grounds
- Advice on limitation, maintainability and pre-deposit
Loan defaults
Loan accounts and guarantees
- Loan defaults by businesses
- Loan guarantees and guarantor liability
- Disputes over residential, commercial and industrial property
Recovery proceedings
Recovery certificates and Recovery Officer proceedings
- Proceedings arising from a DRT recovery certificate
- Applications against attachment and sale orders
- Objections and applications before the appropriate forum
Clear advice. Careful preparation. Honest advocacy.
Integrity
Ethical, law-based representation for genuine defences. We don't make false promises.
Transparency
You get a clear explanation of the proposed legal approach, the records needed, the fees and what to realistically expect.
Preparation
Loan agreements, bank notices and earlier court orders are reviewed carefully, so the argument rests on the evidence.
Why clients come to him
- 19+ years of practice before courts and tribunals
- Experience and knowledge applied to each case on its own facts
- A practice focused on debt recovery and SARFAESI matters
- Support for borrowers, guarantors, MSMEs and property owners
- Straightforward advice without legal jargon
- Representation in later proceedings within the agreed scope of work
What we offer
- Replies to bank recovery and SARFAESI notices
- Drafting and filing of Section 17 applications, written statements, appeals, counter affidavits and rejoinders
- Advice on DRT jurisdiction, limitation, pecuniary jurisdiction and maintainability
- Writ petitions in the High Court and SLPs in the Supreme Court in banking matters
- Applications for restoration and review in recovery proceedings
- Online advice in urgent DRT and DRAT matters
Received a notice from your bank?
Share the notice and any proceedings the bank has started. We will review them and explain where you stand. Contact us to schedule a consultation or a case review.
