About Us
My Story
I created this toolkit because I have faced loan harassment firsthand. During a period when I was struggling financially, I experienced the stress, fear, and humiliation that comes with aggressive collection practices. Through that difficult journey, I learned about my rights, documented incidents, and navigated the complaint process.
Even while still working through my own financial challenges, I realized that the knowledge I gained through my experience, self-study, and research could help others facing similar situations. This toolkit is my way of sharing what I learned so that others don't have to face harassment alone or uninformed.
Important: Everything shared here comes from my personal experience and independent research. I am not a lawyer or legal professional. I always advise everyone to consult a qualified legal attorney for proper advice and guidance specific to your situation. What worked in my case may not apply to yours, and only a licensed attorney can provide you with legal counsel.
Our Mission
To empower individuals facing loan harassment with knowledge, tools, and resources to protect their rights while maintaining dignity and promoting responsible debt resolution.
Who We Are
This is a personal initiative born from lived experience. I am not a law firm, legal service provider, debt counselor, or affiliated with any government agency. My role is purely educational - to share knowledge gained from my own journey and research, not to provide legal advice or representation.
Why I Created This Toolkit
During my own experience with loan harassment, I discovered that many victims don't know:
- What their legal rights are under RBI guidelines
- How to properly document harassment incidents
- Where to seek help and file complaints
- What constitutes illegal collection practices
I created this toolkit to bridge that knowledge gap and provide a free, accessible resource for anyone facing loan harassment, based on what I learned during my own struggle.
What I Offer
Educational Information
Information compiled from my research about your legal rights under:
- RBI Fair Practices Code for Lenders
- Consumer Protection Act 2019
- Relevant sections of the Indian Penal Code
- IT Act provisions for cyber harassment
Documentation Tools
A secure, browser-based tool that helps you:
- Record harassment incidents systematically
- Organize details for legal consultation
- Generate structured documentation
- Prepare information for official complaints
Privacy First: All your data stays on your device. I never collect, store, or transmit your personal information.
Resource Directory
Quick access to essential contacts:
- Emergency helplines (Police, Women's helpline)
- RBI Banking Ombudsman contact details
- Consumer protection helplines
- Free legal aid services (NALSA)
- Mental health support resources
My Core Values
Integrity
I maintain the highest ethical standards and am transparent about what I can and cannot do. I share only what I've learned through experience and research.
Privacy
Your data is yours. I don't collect, store, or sell any personal information.
Accessibility
These tools are free, easy to use, and accessible to everyone who needs them.
Empowerment
I believe in empowering individuals with knowledge and tools, not dependency. But I also believe in the critical importance of professional legal guidance.
What I Stand For
Protection from Harassment
I firmly believe that no one should face threats, abuse, or intimidation when dealing with debt. Harassment is illegal and unacceptable, regardless of the debt owed. I know this from personal experience.
Responsible Debt Resolution
I equally believe in the importance of honoring financial obligations. Even while struggling financially myself, I recognize that repaying legitimate debts is both a moral and legal responsibility. These tools are designed to protect you from harassment while you work in good faith to resolve your debts.
Legal Compliance
I promote working within the legal system - filing proper complaints, seeking legitimate legal help, and following due process. I do not support or encourage evasion of legitimate debts or legal obligations.
What Makes This Different
1. Privacy-First Design
Unlike many online services, I genuinely don't collect your data. The documentation tool processes everything locally in your browser. I can't access your information even if I wanted to.
2. No Hidden Agendas
I don't sell anything. I don't promote specific lawyers or services. I'm not affiliated with any lenders or collection agencies. My only goal is education and empowerment based on what I learned.
3. Transparent Limitations
I'm upfront about what I can't do. I am not a lawyer and cannot provide legal advice. I consistently emphasize that users must seek professional legal counsel for their specific situations.
4. Security Hardened
This toolkit includes:
- Advanced input sanitization to prevent malicious code
- Content Security Policy headers
- Rate limiting to prevent abuse
- No external data transmission
Important Disclaimers
I Am NOT:
- A law firm or legal service provider
- A licensed attorney or legal advisor
- A debt counselor or financial advisor
- Affiliated with any government agency
- Endorsed by RBI or any regulatory body
I Do NOT:
- Provide legal advice or representation
- Review or verify your documents
- File complaints on your behalf
- Guarantee any legal outcomes
- Replace the need for a qualified lawyer
CRITICAL REMINDER: Always consult a qualified legal attorney for proper advice and guidance. Your situation is unique, and only a licensed attorney can provide you with legal counsel tailored to your specific circumstances.
My Commitment to Users
I am committed to:
- Accuracy: Keeping information current and accurate based on ongoing research
- Accessibility: Maintaining a free, user-friendly service
- Privacy: Never collecting or selling your personal data
- Security: Implementing strong security measures
- Improvement: Continuously updating and improving these tools
- Transparency: Being clear about my limitations and the need for professional legal guidance
- Legal Referral: Always directing users to consult qualified attorneys
Legal Compliance
This website and toolkit comply with:
- Information Technology Act, 2000 (India)
- Information Technology (Reasonable Security Practices) Rules, 2011
- Consumer Protection Act, 2019
- General Data Protection Regulation (GDPR) principles
Funding and Independence
This is an independent, non-commercial personal project. It is not funded by:
- Banks or financial institutions
- Lending companies or collection agencies
- Political organizations
- Advertisers or sponsors
This independence allows me to provide unbiased, user-focused information and tools based purely on my experience and research.
Future Plans
I'm continuously working to improve and expand these resources. Planned features include:
- Multi-language Support: Adding Hindi and regional language versions
- Mobile App: Native mobile applications for better accessibility
- Enhanced Tools: Additional documentation and tracking features
- Educational Content: More articles, guides, and video tutorials
- Community Forum: (Moderated) space for users to share experiences and advice
Get Involved
Feedback & Suggestions
Your feedback helps me improve! If you have suggestions for new features, improvements, or additional resources, please contact me.
Spread Awareness
Help others by sharing this toolkit:
- Share the link with anyone facing loan harassment
- Post about it on social media
- Inform consumer rights organizations
- Tell legal aid providers about this resource
Report Issues
If you encounter bugs, technical issues, or have concerns about content accuracy, please report them so I can fix them promptly.
Acknowledgments
I'd like to acknowledge:
- The Reserve Bank of India for establishing fair practices guidelines
- Consumer protection organizations working tirelessly for rights protection
- Legal aid services providing free assistance to those in need
- All the attorneys and legal professionals who guide people like us
- All individuals who provided feedback to improve this toolkit
Contact Us
Have questions or want to learn more? Visit our Contact Us page.
Remember: Knowledge gained from personal experience and research is valuable, but professional legal advice is essential. Always consult a qualified attorney for proper advice and guidance specific to your situation. I cannot and do not provide legal counsel - only share what I've learned on my own journey.
Thank you for trusting me as an educational resource. Together, we can combat harassment while promoting responsible financial practices and proper legal guidance.
Disclaimer: This toolkit represents personal experience and independent research. It is not a substitute for professional legal advice. The creator is still working through financial challenges and shares this knowledge to help others while emphasizing the critical importance of consulting qualified legal attorneys for individual guidance.ancial behavior.
