We specialize in offering strategic legal solutions for individuals, businesses, and financial institutions seeking recovery of dues or facing legal issues involving dishonoured cheques. In the dynamic business environment of India, delayed payments, non-clearance of cheques, and debt defaults are common challenges that can seriously disrupt financial stability.
Our firm provides prompt, effective, and legally sound services to address these challenges and recover what is rightfully owed to our clients. Backed by years of experience and a deep understanding of both civil and criminal remedies, our team is well-equipped to assist you through all stages of the recovery process—from issuing legal notices to filing complaints, engaging in negotiation, or pursuing litigation.
A cheque bounce, or dishonour of cheque, typically occurs when a cheque presented for payment is returned by the bank due to insufficient funds, a mismatched signature, or account closure. This offence is governed by Section 138 of the Negotiable Instruments Act, 1881. It constitutes a criminal offence and entitles the payee to take legal action against the drawer (issuer) of the cheque.
Commercial recovery refers to the legal process of recovering outstanding payments or dues from debtors—whether individuals or businesses. It often involves:
Recovery can be sought through civil suits, arbitration, or insolvency proceedings, depending on the nature and scale of the default.
We assist clients across all aspects of cheque bounce and debt recovery proceedings. Here’s how we help:
When a cheque is dishonoured, the first legal step is to issue a demand notice within 30 days from the date of cheque return. This notice demands payment of the cheque amount within 15 days. We help clients with:
Issuing a proper notice is crucial, as failure to comply with statutory timelines or format can weaken your case.
If the drawer fails to pay within the notice period, we initiate criminal proceedings under Section 138 of the Negotiable Instruments Act. Our services include:
Apart from criminal proceedings, we also file civil recovery suits under the Code of Civil Procedure, 1908 to claim:
This route is ideal when the dispute involves large commercial dues, multiple payments, or ongoing contractual obligations. We ensure a thorough case presentation with documentation to maximise chances of decree and execution.
We file summary suits for cheque and invoice-based claims, which offer a faster and simplified recovery process. Summary suits are highly effective where the debt is undisputed and based on written contracts, bills, or cheques. We handle all aspects including:
For disputes above ₹3 lakh (as per Commercial Courts Act, 2015), we file recovery cases before designated Commercial Courts, which offer a structured, time-bound process. We represent clients in:
Our team ensures robust representation with proper pleadings, documentation, and compliance with procedural requirements.
When debtors default on large payments and show signs of insolvency, we help clients initiate Insolvency & Bankruptcy Code (IBC) proceedings before the National Company Law Tribunal (NCLT). For operational creditors, we file:
In many cases, cheque bounce and commercial disputes can be resolved amicably through mediation or negotiation. Our lawyers engage in:
If you’ve been wrongly accused under Section 138, we offer a strong defense by:
In business and personal dealings, trust and payments go hand in hand. When a cheque bounces or a payment is delayed, your financial stability and peace of mind are affected. We provide decisive legal action to recover your dues with speed, professionalism, and commitment.
Whether you are a creditor looking to recover your money or an individual accused of cheque bounce, we provide the clarity and legal strength you need.
Schedule a consultation for your cheque bounce or commercial recovery matter via [Contact Page / Email / Phone]. Our team is ready to guide you toward a quick and effective legal remedy.