Highlights:- All problems of Debt Recovery Tribunals i.e. DRT, Securitisation Act are tackled by us. People from all over the country are phoning us, then visiting and getting their problems solved. Please visit Home Page and other Pages also.

Our Client files damage suit of Rs. 1825 Crores against a bank and a financial institution in Chandigarh:- Our Client, an eminent Supreme Court Advocate (practice more than 25 years in Supreme Court) has filed a damage suit of Rs. 1825 Crores in Chandigarh on 13.01.05 against a bank and a financial institution. The said damage suit was drafted by us and it runs in 118 pages having documents of 537 pages. In a video interview lasting more than 30 minutes on 23.01.05, the said Mr. Malik appreciated our legal concepts, our drafting and our knowledge and experience about application of law of torts to banking, industrial sickness, drt, counter-claim, securitisation act and calculations of damages etc.

1. Home Page, DRT Solutions, SARFACIE, Counter-claim :- contains Highlights of this Web Site, its Synopsis and Our Contact Details. Reference to our articles published in the Financial Express are given. Our focused areas are matters relating to DRT i.e. Debt Recovery Tribunal, all problems and solutions for DRT i.e. Debt Recovery Tribunal, objections with reference to the securitisation act for the banks and DRT i.e. Debt Recovery Tribunal, As a whole you may approach us for all DRT Problems and Solutions

2. Products & Services :- Legal Opinions, All matters relating to DRT i.e. Debt Recovery Tribunal and ADRT i.e. Appellate Debt Recovery Tribunal, Securitisation Act, Drafting of DRT Counterclaims, Counter-suits, etc., objections with reference to the securitisation act for the banks and DRT i.e. Debt Recovery Tribunal, etc. by using the most modern tools of IT technology any time any where. In DRT matters i.e. pertaining to Debt Recovery Tribunal, As a whole you may approach us for all DRT Problems and Solutions .

3. Frequently Asked Questions  :- Frequently asked Questions from our clients and Visitors of the site and those relating to the Debt Recovery Tribunal i.e. DRT, Securitisation Act, etc.  Many of these questions emanated during our interactions at Indore, Mumbai, Delhi and Ludhiana. Answers to these questions also have been furnished. We invite the visitors to send their questions for inclusion on this page particularly those relating to DRT i.e. Debt Recovery Tribunal . As a whole you may approach us for all DRT Problems and Solutions

4. Useful Legal Material :- Useful Legal Materials for the information of the industrial borrowers and their guarantors intending to understand legal basis of DRT counterclaims and other matters pertaining to Debt Recovery Tribunal, Securitisation Act.

5. Useful Article for Borrowers :- Copy of the Article 'Who's afraid of debt recovery tribunals?' written by Mr. Ram Kishan, our Chief Attorney  and published in 'The Financial Express' on 20.6.01. This article is very much useful to the borrowers intending to raise counterclaim in DRT or counter-suit in the civil court. This article has also been published by the All India Manufacturers Organisation in its famous web site www.aimoindia.org

6. Useful Article for Guarantors :- Copy of the Article 'Debt Recovery Tribunals : There's way out for the defence of guarantors.' written by Mr. Ram Kishan, our Chief Attorney and  published in 'The Financial Express' on 5.7.01. This article is very much useful for the defence of the guarantors. This article has also been published by the All India Manufacturers Organisation in its famous web site www.aimoindia.org

7. RBI Guidelines :- An abstract of important RBI Guidelines is furnished in this page. These Guidelines are statutory and are binding on the banks and hence their violations cause legal injury which as per the law of torts becomes the basis of counterclaim and other legal defence in Debt Recovery Tribunal i.e. DRT. Actual references of the guidelines will be provided to the clients. We have prepared a compilation of RBI Guidelines date wise, subject wise etc.. As a whole you may approach us for all DRT Problems and Solutions. Our address is given at the bottom of this page.

8. Notes on Law of Torts :-  There has been heavy demand from the visitors of our site and readers of our Articles, accordingly Introductory Notes on Law of Torts have been furnished on this page. These notes are too elementary to prepare DRT counterclaims. We have an expertise particularly on this law which has been found highly essential to frame the counterclaim in DRT i.e. Debt Recovery Tribunal or civil courts against the banks and financial institutions As a whole you may approach us for all DRT Problems and Solutions  .

9. Notes on Damages :- We thought it proper to furnish elementary notes on damages and their quantum for the information of borrowers and guarantors intending to understand our approach. Actual references of case laws will be provided to the clients. These notes are too elementary for preparing legal defence in cases under adjudication in Debt Recovery Tribunals i.e. DRT. Measure of Damages is most difficult subject in law and we calculate the damages based on balance sheets, project report, correspondence, legal provisions etc which is not possible for the normal advocates. As a whole you may approach us for all DRT Problems and Solutions

10. News and Views :- This page gives the Supreme Court of India judgments in respect of law of torts, useful news, comments and highlights for the introductory information of the industrialists, business community and bankers particularly in respect of Debt Recovery Tribunals i.e. DRT. You will be pleased to go through 'Interactions with Mr. B.S. Malik, Senior Advocate, Supreme Court of India, a famous constitutional lawyer with practice of 30 years, who fully supports our approach. We welcome similar input also from you particularly in respect of problems relating to DRT i.e. Debt Recovery Tribunal, Securitisation Act  As a whole you may approach us for all DRT Problems and Solutions.

11. Mini Articles i.e. Letters to Editor :- We have been interacting with the bank victims as well as the wrong doers in respect of matters relating to DRT i.e. Debt Recovery Tribunal, Securitisation Act Side by side we had continuous dialogues with the authorities in the judiciary, banks and industries. The knowledge and the experience thus gained has been expressed in form of the Mini Articles i.e. the Letters to the Editor of the Financial Express.  The said letters have been reproduced in this page with the facility of navigating desired letter by clicking its title in the list given in the beginning of the page. On top of this page, we have furnished a classified list on the important topics. The topics covered are Law of Torts, DRT, Banks and Counter-claim, E-courts, Lenders' Liability Bill, Securitisation Act, etc. Lot of useful concepts are available in these letters for preparing legal defence in respect of matters under adjudication in Debt Recovery Tribunals, Securitisation act As a whole you may approach us for all DRT Problems and Solutions.

12. DRT Cases Recently Handled by Us  :-  Few of the DRT cases handled by us have been briefly described in this page along with our observations on the strategy and conclusions. These provide lot of food for thinking for framing legal defence in the matters pending before Debt Recovery Tribunals i.e. DRT, Securitisation act. As a whole you may approach us for all DRT Problems and Solutions.

13. Useful Interactions with Clients & Visitors :- We receive lot of mail from the visitors of our site. We have continuous interactions with clients and visitors at Indore, Mumbai, Delhi, Ludhiana, Chandigarh, Nagpur, Kolkata, Bangalore, Chennai, Chandigarh, Jabalpur etc. A summary of such interactions and our comments are given on this page. The content is highly useful for the persons dealing with the litigations pending in Debt Recovery Tribunals i.e. DRT, Securitisation act  As a whole you may approach us for all DRT Problems and Solutions

14. Securitisation Act - Comments :-  We have furnished our comments and extract from the Supreme Court judgment. The content is related to the Debt Recovery Tribunals as well as objections with reference to the securitisation act for the banks and DRT i.e. Debt Recovery Tribunal. As a whole you may approach us for all DRT Problems and Solutions

15. About Us - DRT Solutions :- Contains Basic Objectives, Introduction, Comments from Clients and Legal Authorities. Reference of our Articles Published in the Financial Express including Mini-Articles in the column of Letters to the Editor, Comments from the readers of the said Articles, Publication of our articles on the web site of AIMO, matters relating to Debt Recovery Tribunals i.e. DRT. Brief summary of our Products and our Services, our full contact details are given below.As a whole you may approach us for all DRT Problems and Solutions

16. Update after last Release  :- Contains the details of update carried out before and after the last Release. This will save time of the regular visitors. All releases are also included/

17. Useful Tips for DRT Advocates  :- Contains useful tips for the DRT Advocates. These are essential for the lawyers dealing the cases in the Debt Recovery Tribunals. As a whole you may approach us for all DRT Problems and Solutions.  .

Comments:- This site has been specifically designed for Borrowers, Guarantors and litigants in DRTs, Civial courts, High courts, Supreme Court. All concerned with the DRTs and all the said courts are invited to interact with us. Any suggestions concerning DRTs and the mentioned courts are always welcome. As a whole you may approach us for all DRT Problems and Solutions This site contains more than 100 pages of most valuable and practical information concerning defence of borrowers and guarantors. We are also adding most important court judgments useful and favourable to borrowers and guarantors with full text with our comments and important portions marked in Red.

Contact Information :-  

205, Morya Palace, Opp Bansi Trade Centre,

5/1, Diamond Colony, New Palasia,

Indore-452003

Mobile- 969-1103689, LL-731-4049358,

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