Overview
Money owed is money trapped — and the longer recovery is delayed, the harder it becomes to enforce. K & K Associates acts for banks, NBFCs, asset reconstruction companies, corporate creditors and individual lenders to recover dues swiftly through the right forum: the Debt Recovery Tribunal, civil recovery suits, summary suits or arbitration-linked enforcement.
From our office at A-197, LGF, Defence Colony, New Delhi 110024 — within 3 km of Saket District Court, 12 km of the Delhi High Court (Sher Shah Road) and 8 km of the Supreme Court of India, we file and contest Original Applications before the Debt Recovery Tribunals at Delhi, appeals before the Debt Recovery Appellate Tribunal (DRAT), and recovery and summary suits before the District Courts and Commercial Courts. We also defend borrowers and guarantors facing recovery action where the claim is disputed, time-barred or inflated.
Recovery is rarely about a single filing. It is about sequencing — securing interim protection, attaching assets before judgment, tracing diverted funds, and converting a paper decree into actual rupees through execution. Our recovery practice is built around that full arc, from the first demand notice to the last instalment realised.
How We Recover Debts
- Original Applications under the Recovery of Debts and Bankruptcy Act, 1993 before the DRT (claims above ₹20 lakh)
- Recovery suits and summary suits under Order XXXVII CPC for liquidated demands
- Attachment before judgment under Order XXXVIII CPC to freeze assets early
- Appeals and stay applications before the DRAT
- Execution proceedings — attachment, sale, garnishee and arrest where warranted
- Parallel SARFAESI and IBC strategy where security or insolvency routes are faster
Choosing the Right Forum
Forum choice determines speed. Bank and financial-institution claims above ₹20 lakh go to the DRT; secured creditors may proceed under SARFAESI without court; liquidated commercial demands suit summary suits under Order XXXVII (where leave to defend is the borrower's only narrow gate); and operational/financial defaults above the threshold may justify an IBC petition. We map the cheapest, fastest route before filing.
Defending Borrowers & Guarantors
We also act for borrowers and personal guarantors — challenging inflated computations, disputed acknowledgements, limitation, improper classification of accounts as NPA, and procedural lapses in DRT and SARFAESI actions. A well-timed objection can reset an entire recovery proceeding.
Turning Decrees Into Money
- Asset and bank-account tracing before and after decree
- Garnishee orders against third-party debtors
- Attachment and court-supervised sale of immovable property
- Execution across jurisdictions through transfer of decree
- Negotiated, court-recorded settlements with payment security
Statutes & Regulations
Key laws governing this practice.
Who This Is For
Audiences we typically advise in this area.
- Banks, NBFCs and ARCs pursuing loan defaults
- Companies recovering unpaid invoices and receivables
- Individual lenders holding promissory notes or loan agreements
- Borrowers and guarantors contesting wrongful or inflated recovery
- Decree-holders unable to realise an existing judgment
Recent Outcomes
Anonymised matter highlights.
₹8.6 cr DRT Recovery With Asset Attachment
Acting for an NBFC, secured an interim attachment of the borrower's commercial property within weeks of filing the Original Application, leading to a structured, tribunal-recorded settlement covering principal and a substantial part of interest.
Inflated Claim Reduced for a Guarantor
Defended a personal guarantor by challenging the interest computation and limitation; the recoverable amount was reduced significantly and a realistic payment plan was recorded.
Outcomes are matter-specific. Past results are not a guarantee of future performance.
Why K & K
Strategic differentiators in this practice.
- Forum strategy that prioritises speed of actual realisation, not just decrees.
- Early asset attachment and tracing to prevent diversion.
- Coordinated DRT, SARFAESI and IBC playbook under one desk.
- Equally experienced acting for creditors and defending borrowers.
- Transparent, milestone-linked fees with success components on enforcement.
Frequently Asked
Questions our clients ask first.
Serving Delhi NCR & Beyond
Our office at A-197, LGF, Defence Colony, New Delhi 110024 is the operating base for clients across Delhi NCR — Gurgaon, Noida, Faridabad, Ghaziabad — and pan-India through a vetted local-counsel network. We routinely appear at Saket, Patiala House, Tis Hazari, Karkardooma, Rohini and Dwarka District Courts; the Delhi High Court; and the Supreme Court of India.
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