I can't keep up with my EMIs anymore.
Missed payments, late fees and growing balances. Let's look at where things stand and what's realistic for you.
Talk to us about this →
Confidential debt support · Across India
Debt feels heavy.Getting help shouldn't.
Struggling with credit card dues or personal loans? Talk to us privately. We'll look at your full situation, explain your options in plain language, and help you choose a way forward.
- No judgement, no pressure
- ₹999 initial assessment, fees clear before you commit
- Support with creditor communication if you go ahead
ConfidentialYour details stay private
₹999 first stepOne-time assessment fee
Clear quote firstNo hidden charges
Based in KolkataWorking across India
Does this sound like you?
You're not the only one. Let's talk it through.
Debt problems rarely start with bad decisions. A job change, a medical bill or one missed EMI can snowball. Wherever you are, the first step is the same: a private conversation.
Most of my salary goes into repayments.
If repayments leave little for daily life, we'll help you see the full picture and the options that may fit.
Talk to us about this →I have several cards and loans and I've lost track.
We bring every card and loan into one clear picture, so you know what you owe and to whom.
Talk to us about this →Recovery calls are making me anxious.
Tell us what's happening. We'll review your accounts and walk you through your options calmly.
Talk to us about this →Where we can help
Support for unsecured personal debt.
We work with adults in India on debts that aren't backed by property or other collateral.
Credit card dues
Review outstanding balances, charges and minimum payments, and explore possible resolution approaches with support in dealing with your card issuers.
Personal loans
Understand your unsecured loan obligations and whether negotiated terms or other routes may be available in your case.
Multiple debts
Bring every card and loan into one clear picture, then build a practical plan based on your income and circumstances.
Every engagement starts with an assessment. What's possible depends on your debts, your circumstances and your creditors.
How it works
A simple, honest process.
You'll know what's happening, and what it costs, at every step.
1
Reach out
Send us a message or WhatsApp us. Tell us briefly what's going on.
2
Private assessment
We review your debts, payments and income, and explain the options in front of you.
₹999 one-time3
Clear plan and quote
If further help makes sense, we quote a fee for your case. You decide whether to go ahead.
4
Support along the way
If you proceed, we support the agreed process, including creditor communication you authorise.
Fees
Know the cost before you commit.
₹999
one-time initial guidance and debt assessment
- Private review of your debts and payments
- Your options explained in plain language
- Honest view of costs and trade-offs
Quoted for your case
further resolution and settlement support
- Quoted only after we analyse your situation
- Confirmed with you before any work begins
- No hidden charges
The ₹999 assessment fee is non-refundable once the assessment is provided.
Our promise
Straight talk, both ways.
Debt help should be honest about what it can and can't do.
What you can expect
- ✓Confidential by designYour situation is handled discreetly.
- ✓Advice for your situationYour options depend on your debts and circumstances, not a template.
- ✓Clear before committedYou understand the route, costs and trade-offs before deciding.
- ✓Respect, alwaysNo shame and no pressure, from the first message.
What we will never do
- ✕Promise results we can't controlOutcomes depend on your circumstances and your creditors' decisions.
- ✕Ask for your OTP, PIN or passwordsNever share these with anyone, including us.
- ✕Surprise you with feesEvery fee is explained and agreed before any work.
- ✕Offer you another loanWe are not a lender. We help with the debt you already have.
FAQs
Questions people often ask.
What does the ₹999 fee cover?
It covers a one-time initial guidance session and debt assessment. We review your debts, payments and circumstances, and explain the options in front of you. The fee is non-refundable once the assessment is provided.
How much does the rest cost?
That depends on your situation. Any further fee is quoted only after we have reviewed and analysed your case, and it is confirmed with you before any work begins. There are no hidden charges.
What kinds of debt can you help with?
We focus on unsecured personal debt, such as credit card dues and unsecured personal loans. Every case starts with an assessment, and whether we can help depends on the details of your situation.
Can you guarantee a settlement or lower EMIs?
No. Outcomes depend on your circumstances and on decisions made by your creditors. We will give you an honest view of what may be possible, but we do not promise settlements, reduced interest, EMI restructuring or any specific result.
Will this affect my credit score?
It can, depending on the route you choose. Some routes, such as settling an account, may be reported to credit bureaus and can affect your credit history. We explain the likely effects before you decide. We do not promise credit score improvement.
How long does it take?
It varies with your debts and with how creditors respond. We don't promise timelines. After the assessment we'll give you an honest picture of what to expect.
Do I need to visit your office?
No. We are based in Kolkata and work with people across India over WhatsApp and email.
Do you give loans?
No. Fix My Debt is not a lender and does not offer loans. We help you understand and work through the debt you already have.
Is my information kept private?
Yes. Your situation is handled confidentially, and we only share details with creditors when you authorise us to act for you. See our Privacy Policy for details.
You don't have to figure this out alone.
Start with one private conversation. Based in Kolkata, West Bengal, and working with people across India.
Important: Outcomes depend on individual circumstances and creditor decisions. Fix My Debt does not guarantee settlement, reduced interest, EMI restructuring, credit-score improvement, timelines or any specific result. The ₹999 initial guidance and assessment fee is non-refundable; any further fee is quoted only after case review. Fix My Debt is a private debt-resolution service and is not a lender or a government body.