Credit Card EMI Advocate in Ahmedabad | 9925002031 | Paresh M Modi | Loan Cheque Bounce Lawyer Near me in Ahmedabad | Gujarat

Credit Card Loan EMI Advocate in Ahmedabad | 9925002031 | Paresh M Modi | Loan Cheque Bounce Lawyer Near me in Ahmedabad | Gujarat

Welcome to the official Blog Page of Advocate Paresh M Modi, a renowned legal professional based in Ahmedabad, Gujarat, India. With expertise in the Negotiable Instruments Act, 1881, Advocate Paresh M Modi has earned a stellar reputation as a Cheque Bounce Case Attorney and a trusted advocate for matters related to cheque dishonor. He is the famous lawyer for NI Act Cases in Ahmedabad Gujarat. The ability to handle any kind of tough cases makes Law Firm of Advocate Paresh M Modi one of the best law firms in Ahmedabad, Gujarat.

The Negotiable Instruments Act, 1881

 The Negotiable Instruments Act, 1881, is a crucial legislation in India governing the use and transfer of negotiable instruments such as promissory notes, bills of exchange, and cheques. It provides a legal framework for the orderly conduct of commercial transactions.

Advocate Paresh M Modi is recognized as a specialist lawyer for the NI Act in Gujarat, particularly in Ahmedabad. His expertise is prominently known in handling Cheque Bounce Cases, a common legal issue under the NI Act. he is a well known cheque bounce Lawyer in Ahmedabad Gujarat

As a seasoned professional, Advocate Paresh M Modi is well-versed in the intricacies of the act, ensuring effective representation and guidance for individuals and businesses facing legal challenges related to negotiable instruments.

Cheque Return Case Lawyer in Gujarat India | 9925002031 | Advocate Paresh M Modi | Cheque Dishonor Attorney in Gujarat India | Bank Loan Dispute Lawyer in Ahmedabad

His reputation as a leading Cheque Bounce Case Lawyer in Gujarat speaks to his proficiency in navigating the complexities of this area of law. Clients often seek his services for reliable legal counsel and representation in matters concerning dishonored cheques, emphasizing his significant contributions to the legal landscape in Gujarat, India.

About Advocate Paresh M Modi:

 Advocate Paresh M Modi stands out as a seasoned legal practitioner specializing in NI Act Section 138 cases, offering comprehensive legal support for individuals and businesses facing challenges in cheque-related matters. His in-depth knowledge of the law and commitment to client advocacy have positioned him as a top choice for those dealing with Cheque Return issues and other associated concerns.

What Happens When a Person Defaults on Bank Personal Loans, Credit Card Payments, or Home Loan EMIs?

1. Personal Loan Default:

   • Immediate Actions by the Bank:
     Banks start by sending reminders and follow-ups to the borrower. If the payment remains overdue, they may report the default to credit bureaus like CIBIL, negatively affecting the individual’s credit score.
   • Legal Consequences:
     Banks may issue a legal notice under the Negotiable Instruments Act (if a cheque or ECS mandate was used) or initiate recovery proceedings.

2. Credit Card Payment Failure:

   • Financial Penalty:
     Late fees, interest penalties (ranging from 2% to 4% monthly), and over-limit charges may be added to the outstanding balance.
   • Collection Actions:
     Persistent non-payment can lead to harassment by recovery agents, which can be reported under RBI’s fair practice guidelines.
   • Credit Score Impact:
     Defaulting significantly lowers creditworthiness, reducing future borrowing capacity.

3. Home Loan EMI Default:

   • Bank Actions:
     After missing 3 consecutive EMIs, the bank may issue a 60-day demand notice under the SARFAESI Act. If unresolved, the property may be seized and auctioned to recover dues.
   • Legal Consequences:
     The borrower can challenge the action in the Debt Recovery Tribunal (DRT), but delay may lead to loss of the property.

Type of Action

1. Credit Card Dues Failures and Bank Recovery Agents

• Relevant Law: Indian Contract Act, 1872, and RBI Guidelines.
• Sections/Penalties:
  • Banks may impose late fees, penal interest (2-4% monthly), and impact credit scores.
  • Harassment by recovery agents violates RBI’s Fair Practice Code, which can lead to customer complaints with Banking Ombudsman.
• Sentences: Civil proceedings may be initiated for recovery.

2. Home Loan EMI Failure and Next Stage Process

• Relevant Law: SARFAESI Act, 2002.
• Sections/Penalties:
  • Section 13(2): 60-day demand notice issued after 3 consecutive defaults.
  • Section 13(4): Bank can seize and auction property for loan recovery.
  • Legal fees and outstanding dues added to recovery.
• Sentences: Loss of mortgaged property; legal actions in DRT for disputes.

3. Personal Loan EMI Bounce and Bank Action

• Relevant Law: Negotiable Instruments Act, 1881.
• Sections/Penalties:
  • Section 138: Cheque bounce can result in a penalty, up to 2 years of imprisonment, or a fine double the cheque amount.
  • Late fees and penal interest apply.
• Sentences: Legal notice is issued within 30 days of default.

4. Payment and Settlement Act Action Taken by Bank

• Relevant Law: Payment and Settlement Systems Act, 2007.
• Sections/Penalties:
  • Section 25: Penalty for non-payment via mandated instruments like ECS.
  • Fine up to ₹10 lakh; repeated offenses may lead to restricted access to bank facilities.
• Sentences: Civil liabilities, such as attachment of accounts/assets.

5. Bank Uses ECS Mandate or Cheques for Recovery of Loan

• Relevant Law: RBI Guidelines on ECS & NACH Mandates.
• Sections/Penalties:
  • Mandate misuse violates RBI regulations, subject to penalties on the bank.
  • Defaulting on ECS payments can lead to penalties, legal actions, and reporting to credit bureaus.
• Sentences: Legal cases under NI Act or SARFAESI for recovery.

6. Arbitration Action by Bank for Recovery of Legal Dues

• Relevant Law: Arbitration and Conciliation Act, 1996.
• Sections/Penalties:
  • Section 11: Arbitration initiated for disputes.
  • Section 36: Award enforcement like court decrees; property attachment possible.
• Sentences: Arbitration awards are final unless challenged in High Court within 90 days.

For all these cases, it’s vital to consult Advocate Paresh M Modi, The legal expert of Banking Law and Procedures’ promptly to navigate penalties and negotiate settlements

Cheque Return Lawyer near me in Ahmedabad | 9925002031 | Advocate Paresh M Modi | Bank Loan EMI Bounce Case Advocate  in Ahmedabad Gujarat

Services Offered:

Cheque Bounce Cases:

Advocate Paresh M Modi excels in handling Cheque Bounce Cases with precision and diligence. His expertise covers the intricate details of the legal processes involved, ensuring clients receive effective representation. he is a famous cheque bounce cases Lawyer in Gujarat India

Top Advocate for Cheque Dishonor Matters:

As a leading advocate in Gujarat, Advocate Paresh M Modi is recognized for his proficiency in addressing Cheque Dishonour Matters. Clients trust him for strategic legal advice and representation in these critical situations. people know him as a Cheque Dishonor matters Advocate in Gujarat India

NI Act Section 138 Cases:

With a deep understanding of Section 138 of the Negotiable Instruments Act, Advocate Paresh M Modi navigates clients through the complexities of NI Act cases, offering reliable solutions and expert guidance. he is the perfect Vakil for NI Act Cases in Gujarat India

Bank Loan EMI Bounce Problems:

Advocate Paresh M Modi extends his legal expertise to address Bank Loan EMI Bounce Problems, providing valuable insights and assistance to individuals and businesses grappling with financial challenges. he is the established Lawyer for Bank Loan Problems

Legal Words and Definitions:

Lawyers

Legal professionals authorized to advise, represent, and advocate for clients in legal matters in courts or other legal forums.

Advocates

Specialized lawyers who represent clients in court, presenting arguments and ensuring justice under the legal framework.

Case

A legal dispute or issue brought before a court, involving parties seeking a resolution through judicial intervention.

Act

A statute or formal written law passed by a legislative body, governing specific legal areas or practices.

Additional Chief Judicial Magistrate Court

A subordinate court in India that handles specific criminal cases as assigned by jurisdictional authority.

Trial Court

The first level of the judiciary where cases are initially filed, evidence is examined, and judgments are rendered.

District Court

A court at the district level that handles civil and criminal cases, serving as an appellate court for subordinate courts.

Sessions Court

A higher court for criminal trials, dealing with serious offenses like murder, theft, and financial fraud under Indian law.

High Court

A state-level court with appellate jurisdiction over civil and criminal cases and powers to interpret constitutional matters.

Cheque

A negotiable instrument directing a bank to pay a specific sum from the account holder’s funds to the bearer or payee.

Law

A system of rules enforced by institutions to regulate conduct, resolve disputes, and maintain order in society.

Criminal Lawyer

An attorney specializing in defending individuals or entities accused of criminal activities in courts of law.

Property

Tangible or intangible assets owned by individuals or entities, subject to transfer, sale, or inheritance laws.

Ancestral Property

Inherited property passed down through generations, governed by succession laws in India, like the Hindu Succession Act.

Disputes

Legal conflicts or disagreements between parties, resolved through mediation, arbitration, or court proceedings.

Matters

Legal issues or subjects requiring attention or resolution under judicial or administrative frameworks.

Warrant

A legal document issued by a court authorizing law enforcement to perform specific actions, like arrest or search.

Summons

A legal notice issued by a court, compelling an individual to appear in court or provide evidence.

Bail

A temporary release of an accused person awaiting trial, granted on conditions set by the court.

Jamanat

The Hindi term for bail, referring to the provisional release of an accused individual upon furnishing security.

FIR

First Information Report, a written complaint filed with the police to initiate an investigation of a crime.

Police Station

A local law enforcement office where complaints are filed, FIRs are registered, and investigations are initiated.

Court Case

A legal proceeding where parties present evidence and arguments to resolve disputes or seek justice under law.

Ahmedabad

A major city in Gujarat, India, known for its vibrant legal services and home to prominent lawyers and advocates.

Gujarat

A western state in India, governed by state and central laws, with a robust judiciary system for justice delivery.

Law Firm

An organization of lawyers providing legal services, advice, and representation to individuals and businesses.

Legal Services

Professional assistance in resolving disputes, drafting agreements, and representing clients in legal matters.

Legal Advice

Guidance provided by qualified lawyers to help individuals understand their rights, obligations, and legal options.

Loan

A loan is a sum of money borrowed from a lender, such as a bank or financial institution, that must be repaid with interest over a specified period.

Online

Online refers to digital platforms or internet-based services used for accessing, applying for, or managing financial products like loans and credit.

Late Payment

Late payment occurs when a borrower fails to pay the agreed installment or due amount by the specified deadline, often leading to penalties.

Settlement

Settlement is a mutual agreement between parties to resolve a financial or legal dispute, typically involving partial payment or revised terms.

Compromise

Compromise refers to an agreement where conflicting parties make concessions to settle disputes amicably.

Solution

A solution is a method or strategy to address and resolve financial, legal, or personal issues effectively.

Disputes

Disputes are disagreements or conflicts, often financial or legal, that require resolution through negotiation, mediation, or legal intervention.

Matters

Matters refer to issues, cases, or concerns requiring attention or action, particularly in legal or financial contexts.

Remedy

A remedy is a means of addressing a wrong or resolving a dispute, often provided through legal or financial actions.

Due Payment

A due payment is the amount owed by a borrower to a lender or creditor that is yet to be paid within the agreed timeline.

Mortgage Loan

A mortgage loan is a secured loan where real estate property is pledged as collateral to secure the borrowed amount.

Unsecured

Unsecured refers to loans or financial products not backed by collateral, relying solely on the borrower’s creditworthiness.

Secured

Secured pertains to loans that are backed by collateral, such as property or assets, ensuring repayment to the lender.

Mandate

A mandate is an authorization given by an account holder to a bank or institution to debit their account for specific transactions.

Bank

A bank is a financial institution that offers services such as deposits, loans, and credit facilities to individuals and businesses.

Account

An account is a financial arrangement with a bank or institution for managing deposits, withdrawals, and transactions.

Recovery

Recovery refers to the process of collecting overdue payments or debts from borrowers or defaulters.

Agent

An agent is an individual or entity authorized to act on behalf of another, often in debt recovery or financial transactions.

Harassments

Harassments refer to unethical or aggressive actions, often by creditors or agents, to recover overdue payments.

Overdue

Overdue describes payments or obligations that have not been settled by the agreed deadline.

Creditors

Creditors are entities or individuals who lend money or extend credit and expect repayment from borrowers.

Debtors

Debtors are individuals or entities who owe money to creditors or lenders.

Financer

A financer is a person or entity that provides funds for business, personal, or investment purposes.

Private

Private refers to non-governmental financial institutions or services offered by privately-owned entities.

Company

A company is a legal entity engaged in business activities, including financial services such as lending and investment.

Vakil

Vakil is a term commonly used in India to refer to an advocate or lawyer.

Mediation

Mediation is an alternative dispute resolution process where a neutral mediator helps conflicting parties reach an agreement.

Near

Near refers to proximity or closeness to a specific location or service provider.

Near Me

Near Me refers to services or professionals located close to the user’s current or specified location.

Urgent

Requiring immediate attention or action due to its importance or seriousness.For Advocate Paresh M Modi’s legal services, this word emphasizes the need for swift legal assistance in critical cases like bail, court matters, and financial disputes.

NACH (National Automated Clearing House)

NACH is a centralized electronic payment system launched by the National Payments Corporation of India (NPCI). It facilitates high-volume, repetitive transactions such as salary, pension, subsidies, and loan EMI payments. Legally, NACH mandates allow banks or NBFCs to auto-debit EMI amounts directly from a borrower’s account. Disputes related to unauthorized or fraudulent debits can be challenged under the NI Act or Banking Ombudsman Scheme.

Loan

A loan is a financial agreement in which a lender provides money to a borrower with an obligation to repay the amount with interest within a specific period. Loans may be secured (backed by collateral) or unsecured. Legal disputes can arise due to default in repayment, fraudulent documentation, or excessive interest, which may fall under the jurisdiction of Civil Courts or Debt Recovery Tribunals (DRT).

EMI (Equated Monthly Instalment)

EMI refers to the fixed payment amount that a borrower pays each month towards loan repayment. It includes both principal and interest components. Delay or dishonor of EMI payments—especially those collected via ECS or NACH mandates—can lead to legal notices under Section 138 of the Negotiable Instruments Act (NI Act), 1881.

ECS (Electronic Clearing Service)

ECS is an older system for electronic fund transfer, enabling automatic debit or credit of funds. It is often replaced by NACH but still used in some banks. ECS dishonor or technical failure can result in EMI bounce disputes, where lenders can file cheque bounce cases before the Metropolitan Magistrate Court.

Personal Loan

A personal loan is an unsecured financial product that individuals take for personal use such as medical expenses, travel, or education. Legal issues occur when borrowers default on repayments or misuse the loan. NBFCs or banks may initiate recovery through Civil Court suits or arbitration proceedings.

Home Loan

A home loan is a secured loan given for purchasing, constructing, or renovating a house. The property itself acts as collateral. In case of default, lenders can initiate SARFAESI proceedings, issue possession notices, or file cases before Debt Recovery Tribunals. Advocate Paresh M Modi provides legal assistance for home loan disputes, NPA notices, and bank recovery cases.

Business Loan

Business loans are offered to entrepreneurs for business expansion, working capital, or asset purchase. These loans may be secured against business assets or offered as unsecured. Disputes arise regarding non-repayment, hypothecation breaches, or fraud, which can be taken up before Commercial Courts or DRT.

Bank Loan

A bank loan covers all financial lending provided by banks, including vehicle loans, education loans, home loans, and personal loans. Borrower defaults or wrongful debit of EMIs may involve civil or criminal proceedings, and disputes can be handled legally through banking law advocates and court litigation.

Credit Card

A credit card allows consumers to borrow funds within a limit for personal or business purchases. Non-payment of bills or misuse of cards can lead to bank recovery actions, CIBIL score impact, or legal notices under NI Act for bounced payments or fraudulent usage.

Loan App

Loan Apps are digital platforms operated by banks or NBFCs for instant loans. However, many unregistered or unauthorized apps engage in cyber fraud or illegal recovery methods. Victims can file cyber crime complaints or approach advocates specialized in financial and cyber fraud for bank account unfreeze or FIR quashing.

NBFC (Non-Banking Financial Company)

NBFCs are financial institutions that provide loans and credit facilities but do not hold banking licenses. They are regulated under the RBI Act, 1934. Common disputes include unauthorized auto-debits, harassment in recovery, and NACH fraud cases, which are handled before Civil Courts, Consumer Courts, or RBI authorities.

Finance

Finance refers to the management of money, credit, and investments. It includes banking, loans, insurance, and recovery. Legal aspects of finance involve regulatory compliance, recovery litigation, arbitration, and court procedures related to financial fraud or misappropriation.

Court

A Court is a legal authority where justice is administered. It interprets and applies law to resolve disputes between parties. Depending on the nature of the matter (civil, criminal, or commercial), cases are filed in Civil Court, Metropolitan Magistrate Court, Sessions Court, or High Court.

NI Act Court (Negotiable Instruments Act Court)

The NI Act Court specifically handles cases under Section 138 of the Negotiable Instruments Act, which deals with cheque bounce or dishonor of negotiable instruments. Advocate Paresh M Modi represents clients in such matters across Ahmedabad and Gujarat, ensuring effective defense or prosecution.

Metropolitan Magistrate Court

This is the lowest level of Criminal Court in metropolitan areas that handles offenses punishable up to 7 years, including cheque bounce, fraud, and cybercrime. Legal complaints under the NI Act and CrPC (BNSS 2023) are filed before this court.

Sessions Court

A Sessions Court is a higher-level criminal court that hears serious offenses, appeals, and revisions from lower courts. Cases like financial fraud, bank recovery crimes, or cyber offenses are often escalated here from the Magistrate Court.

Tribunal

Tribunals are quasi-judicial bodies established for specialized matters like Debt Recovery Tribunal (DRT), Customs Tribunal, or SEBI Tribunal. They function with judicial powers similar to courts and handle disputes related to finance, loans, or regulatory violations.

Judge

A Judge is a judicial officer who presides over court proceedings, interprets the law, and delivers judgments. Judges ensure that cases—whether under loan disputes, NI Act, or financial fraud—are decided fairly under the provisions of Indian law.

High Court

The High Court is the highest judicial authority in a state and hears appeals, revisions, and writ petitions. Advocate Paresh M Modi regularly represents clients before the Gujarat High Court in matters related to bank loan recovery, cyber fraud, NACH disputes, and NI Act appeals.

Contact Advocate Paresh M Modi

Mobile: +91 9925002031 (Only WhatsApp sms – Timing 9 am to 9 pm)
Office Landline: +91-79-48001468 (For  Appointment Only – Timing 10.30 am to 6.30 pm – On Working Days)
Email: advocatepmmodi@gmail.com
Website: www.advocatepmmodi.in
Office Address: Office No. C/112, Supath-2 Complex, Opp. Kohinoor Plaza Hotel, Near Old Wadaj Bus Stand, Ashram Road, Ahmedabad – 380013, Gujarat

ગુજરાત ક્રેડીટ કાર્ડ ઈએમઆઈ એડવોકેટ અમદાવાદ માં । 9925002031 | લોન ચેક બાઉન્સ લોયર મારી નજીક અમદાવાદ માં | એડવોકેટ પરેશ એમ મોદી

ગુજરાતના અગ્રણી ચેક બાઉન્સ કેસ વકીલ તરીકેની તેમની પ્રતિષ્ઠા કાયદાના આ ક્ષેત્રની જટિલતાઓને નેવિગેટ કરવામાં તેમની નિપુણતા દર્શાવે છે. ગુજરાત, ભારતમાં કાનૂની લેન્ડસ્કેપમાં તેમના નોંધપાત્ર યોગદાન પર ભાર મૂકતા ગ્રાહકો અવારનવાર વિશ્વસનીય કાનૂની સલાહકાર અને ચેક અસ્વીકાર –  ચેક બાઊંસ – ચેક અસ્વીકાર ને લગતી બાબતોમાં રજૂઆત માટે તેમની સેવાઓ લે છે.

એડવોકેટ પરેશ એમ મોદી વિશે:

એડવોકેટ પરેશ એમ મોદી NI એક્ટ કલમ 138 કેસોમાં વિશેષતા ધરાવતા અનુભવી કાનૂની પ્રેક્ટિશનર તરીકે અલગ છે, જે ચેક સંબંધિત બાબતોમાં પડકારોનો સામનો કરી રહેલા વ્યક્તિઓ અને વ્યવસાયો માટે વ્યાપક કાનૂની સમર્થન પ્રદાન કરે છે. કાયદાનું તેમનું ઊંડાણપૂર્વકનું જ્ઞાન અને ક્લાયંટની હિમાયત પ્રત્યેની પ્રતિબદ્ધતાએ તેમને ચેક રિટર્નના મુદ્દાઓ અને અન્ય સંબંધિત ચિંતાઓ સાથે કામ કરતા લોકો માટે ટોચની પસંદગી તરીકે સ્થાન આપ્યું છે.

જે વ્યક્તિ બેંકના પર્સનલ લોન ડિફોલ્ટ, ક્રેડિટ કાર્ડ ચુકવણી નિષ્ફળતા અથવા હોમ લોન ઈએમઆઈ બાકી ચુકવવામાં નિષ્ફળ જાય છે તે સાથે શું થાય છે?

1. પર્સનલ લોન ડિફોલ્ટ:
   • બેંક દ્વારા તાત્કાલિક પગલાં:
     બેંક શરૂઆતમાં ગ્રાહકને રીમાઈન્ડર મોકલે છે. ચુકવણી ન થતાં બાકી રકમ ક્રેડિટ બ્યુરો (જેમ કે CIBIL) ને રિપોર્ટ કરવામાં આવે છે, જેનાથી ક્રેડિટ સ્કોર પર નકારાત્મક અસર થાય છે.
   • કાનૂની પરિણામો:
     બેંક નેગોશિયેબલ ઈન્સ્ટ્રુમેન્ટ એક્ટ હેઠળ કાનૂની નોટિસ જારી કરી શકે છે અથવા રિકવરી કાર્યવાહી શરૂ કરી શકે છે.
2. ક્રેડિટ કાર્ડ ચુકવણી નિષ્ફળતા:
   • આર્થિક દંડ:
     લેટ ફી, વ્યાજ દંડ (માસિક 2% થી 4% સુધી), અને ઓવર-લિમિટ ચાર્જ બાકી રકમ પર ઉમેરવામાં આવે છે.
   • વસૂલી કાર્યવાહી:
     જો ચુકવણી વારંવાર થતી નથી, તો રિકવરી એજન્ટ હેરાન કરી શકે છે, જેની ફરિયાદ આરબીઆઈના ફેર પ્રેક્ટિસ ગાઈડલાઈન હેઠળ થઈ શકે છે.
   • ક્રેડિટ સ્કોર અસર:
     નિષ્ફળતા ભવિષ્યની લોન મેળવવાની ક્ષમતા ઘટાડે છે.
3. હોમ લોન ઈએમઆઈ ડિફોલ્ટ:
   • બેંક પગલાં:
     3 સતત ઈએમઆઈ ચૂકવવામાં નિષ્ફળ થતા બેંક SARFAESI અધિનિયમ હેઠળ 60 દિવસની ડિમાન્ડ નોટિસ જારી કરે છે. ચુકવણી ન થાય તો મિલકત જપ્ત કરી લિલામી કરી શકે છે.
   • કાનૂની પરિણામો:
     ડિફોલ્ટ કરનાર ડીઆરટી (ડેટ રિકવરી ટ્રિબ્યુનલ) માં આ કાર્યવાહી પડકાર આપી શકે છે, પરંતુ વિલંબથી મિલકત ગુમાવવાની સંભાવના છે

Type of Action

1. ક્રેડિટ કાર્ડ બાકી ચુકવણી અને બેંક રિકવરી એજન્ટ્સ

• લાગુ કાનૂન: ભારતીય કરાર અધિનિયમ, 1872 અને આરબીઆઈ માર્ગદર્શિકા.
• કલમ/દંડ:
  • બેંક લેટ ફી, દંડવ્યાજ (માસિક 2-4%) લગાવી શકે છે અને ક્રેડિટ સ્કોરને અસર કરી શકે છે.
  • રિકવરી એજન્ટ્સ દ્વારા હેરાનગતી આરબીઆઈના ફેર પ્રેક્ટિસ કોડનો ભંગ કરે છે, જે ગ્રાહક ફરિયાદો માટે બેંકિંગ ઓમ્બડસમન પાસે લઈ જવામાં આવે છે.
• શિક્ષા: બાકી રકમ વસૂલવા માટે નાગરિક કાર્યવાહી શરૂ થઈ શકે છે.

2. હોમ લોન ઈએમઆઈ બાકી ચુકવણી અને આગળની પ્રક્રિયા

• લાગુ કાનૂન: SARFAESI અધિનિયમ, 2002.
• કલમ/દંડ:
  • કલમ 13(2): 60 દિવસનું ડિમાન્ડ નોટિસ 3 સતત ચુકવણીઓમાં નિષ્ફળ થયા પછી જારી થાય છે.
  • કલમ 13(4): બેંક લોન વસૂલવા માટે પ્રોપર્ટી જપ્ત કરી અને લિલામી કરી શકે છે.
  • કાયદાકીય ખર્ચ અને બાકી રકમ વસૂલવામાં ઉમેરવામાં આવે છે.
• શિક્ષા: મૂલ્યવાન મિલકત ગુમાવવી પડે છે; વિવાદ માટે ડીઆરટીમાં કાયદાકીય પગલાં.

3. વ્યક્તિગત લોન ઈએમઆઈ બાઉન્સ અને બેંકની કાર્યવાહી

• લાગુ કાનૂન: પરિગણનাযোগ્ય સાધનો અધિનિયમ, 1881.
• કલમ/દંડ:
  • કલમ 138: ચેક બાઉન્સ પર દંડ, 2 વર્ષ સુધીની જેલની સજા, અથવા ચેકની રકમના બે ગણી દંડ થઈ શકે છે.
  • લેટ ફી અને દંડવ્યાજ લાગુ થાય છે.
• શિક્ષા: ડિફોલ્ટ પછી 30 દિવસની અંદર કાનૂની નોટિસ જારી થાય છે.

4. ચુકવણી અને ચુકવણી અધિનિયમ હેઠળ બેંકની કાર્યવાહી

• લાગુ કાનૂન: પેમેન્ટ એન્ડ સેટલમેન્ટ સિસ્ટમ્સ અધિનિયમ, 2007.
• કલમ/દંડ:
  • કલમ 25: ઈસીએસ જેવી નિર્ધારિત વ્યવસ્થાઓ દ્વારા ચુકવણી ન કરવા માટે દંડ.
  • ₹10 લાખ સુધીનો દંડ; વારંવાર દોષિત થવા પર બેંક સુવિધાઓ પર પ્રતિબંધ થઈ શકે છે.
• શિક્ષા: નાગરિક દાયિત્વ, જેમ કે ખાતા/સંપત્તિની જપ્તી.

5. બેંક લોન વસૂલી માટે ઈસીએસ મંડેટ અથવા ચેકનો ઉપયોગ કરે છે

• લાગુ કાનૂન: આરબીઆઈના ઈસીએસ અને નેચ મંડેટ અંગેના માર્ગદર્શિકા.
• કલમ/દંડ:
  • મંડેટનો ગેરવપરાશ આરબીઆઈ નિયમોનો ભંગ કરે છે, બેંકને દંડ થવા પાત્ર છે.
  • ઈસીએસ ચુકવણીઓમાં નિષ્ફળતા પર દંડ, કાયદાકીય કાર્યવાહી, અને ક્રેડિટ બ્યુરોમાં રિપોર્ટિંગ થઈ શકે છે.
• શિક્ષા: વસૂલાત માટે એનઆઈ એક્ટ અથવા SARFAESI હેઠળ કેસ.

6. કાયદાકીય બાકી રકમ વસૂલી માટે બેંક દ્વારા સલાહપત્ર ક્રિયા

• લાગુ કાનૂન: આર્બિટ્રેશન એન્ડ કન્સિલિએશન અધિનિયમ, 1996.
• કલમ/દંડ:
  • કલમ 11: વિવાદો માટે આર્બિટ્રેશન શરૂ થાય છે.
  • કલમ 36: કોર્ટના હુકમ તરીકે જ આરબિટ્રેશન એવોર્ડનું અમલ થાય છે; સંપત્તિ જપ્તી થઈ શકે છે.
• શિક્ષા: આરબિટ્રેશન એવોર્ડ અંતિમ હોય છે, જો 90 દિવસની અંદર હાઈકોર્ટમાં પડકાર ન આપવો હોય.

આ તમામ કેસોમાં, ઝડપથી કાનૂની નિષ્ણાતોની સલાહ લેવી મહત્વપૂર્ણ છે જેથી દંડ અને દોષને ટાળી શકાય અને ઉકેલ મેળવવામાં સરળતા થાય

અમદાવાદમાં મારી નજીકના ચેક રિટર્ન કેસના વકીલ | 9925002031 | અમદાવાદમાં મારી નજીકના ચેક બાઉન્સ એડવોકેટ | એડવોકેટ પરેશ એમ મોદી

ઓફર કરેલી સેવાઓ:

ચેક બાઉન્સ કેસ:

એડવોકેટ પરેશ એમ મોદી ચોકસાઇ અને ખંત સાથે ચેક બાઉન્સના કેસોને હેન્ડલ કરવામાં શ્રેષ્ઠ છે. તેમની કુશળતા તેમાં સામેલ કાનૂની પ્રક્રિયાઓની જટિલ વિગતો આવરી લે છે, ગ્રાહકોને અસરકારક પ્રતિનિધિત્વ મળે તેની ખાતરી કરે છે. તેઓ ગુજરાત ભારતના પ્રખ્યાત ચેક બાઉન્સ કેસના વકીલ છે

ચેક અસ્વીકાર બાબતો માટે ટોચના વકીલ:

ગુજરાતમાં અગ્રણી એડવોકેટ તરીકે, એડવોકેટ પરેશ એમ મોદી ચેક ડિસઓનર બાબતોને સંબોધવામાં તેમની નિપુણતા માટે જાણીતા છે. આ જટિલ પરિસ્થિતિઓમાં વ્યૂહાત્મક કાનૂની સલાહ અને પ્રતિનિધિત્વ માટે ગ્રાહકો તેમના પર વિશ્વાસ કરે છે. લોકો તેમને ગુજરાત ભારતમાં ચેક ડિસઓનર મેટર્સના એડવોકેટ તરીકે ઓળખે છે.

NI એક્ટ કલમ 138 કેસો:

નેગોશિયેબલ ઇન્સ્ટ્રુમેન્ટ્સ એક્ટની કલમ 138ની ઊંડી સમજણ સાથે, એડવોકેટ પરેશ એમ મોદી ક્લાયન્ટ્સને NI એક્ટ કેસની જટિલતાઓ દ્વારા નેવિગેટ કરે છે, વિશ્વસનીય ઉકેલો અને નિષ્ણાત માર્ગદર્શન ઓફર કરે છે. તેઓ ગુજરાત ભારતમાં NI એક્ટ કેસો માટે સંપૂર્ણ વકીલ છે

બેંક લોન EMI બાઉંસ સમસ્યાઓ:

એડવોકેટ પરેશ એમ મોદી બેંક લોન ઈ.એમ.આઈ. બાઉંસની સમસ્યાઓના નિરાકરણ માટે તેમની કાનૂની કુશળતાનો વિસ્તાર કરે છે, જે નાણાકીય પડકારોનો સામનો કરી રહેલા વ્યક્તિઓ અને વ્યવસાયોને મૂલ્યવાન આંતરદૃષ્ટિ અને સહાય પૂરી પાડે છે. તે બેંક લોન સમસ્યાઓ માટે સ્થાપિત વકીલ છે.

Contact Advocate Paresh M Modi

Mobile: +91 9925002031 (Only WhatsApp sms – Timing 9 am to 9 pm)
Office Landline: +91-79-48001468 (For  Appointment Only – Timing 10.30 am to 6.30 pm – On Working Days)
Email: advocatepmmodi@gmail.com
Website: www.advocatepmmodi.in
Office Address: Office No. C/112, Supath-2 Complex, Opp. Kohinoor Plaza Hotel, Near Old Wadaj Bus Stand, Ashram Road, Ahmedabad – 380013, Gujarat

RBI Guideline for Loan Recovery Agent | Advocate Paresh M Modi