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samiksha30 · 2 months ago

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How One-Time Settlements Can Help You Resolve Your NPA Issues ?

Non-performing assets (NPAs) are a significant challenge for both borrowers and lenders in today's financial ecosystem. When a borrower fails to repay the loan, it can lead to severe consequences, including the recovery process through legal action and asset liquidation. However, there is a strategic way to resolve these issues and mitigate the damage: One-Time Settlement (OTS).

What is a One-Time Settlement (OTS)?

A One-Time Settlement (OTS) is a financial arrangement where a borrower negotiates with the lender to settle the outstanding debt for a lump-sum amount that is less than the total debt owed. It allows borrowers to clear their liabilities while providing lenders with an opportunity to recover a portion of their dues, which would otherwise become unrecoverable.

When Should You Opt for One-Time Settlement?

The timing of opting for OTS is crucial. Borrowers should approach the bank or financial institution for a settlement when they have a stronger negotiation position with a favourable offer along with ready available funds or source of funds to suffice the offer proposed.This usually happens when:

Economic Challenges: If the economy is not performing well, banks may be facing a large number of NPA accounts and high degree of provisioning, making them more receptive to settlement offers.

Imbalanced Capital: When the lenders are not willing to offer considerable waiver under OTS when there is ample scope to recover its entire dues by way of sale of mortgaged assets, it becomes in the lender��s interest to agree to an OTS deal.

Once the Borrower decides for One Time Settlement then it needs setting up of a highly professional negotiating Desk for executing the OTS Plan.

How Can NPA Consultants Help?

At NPA Consultants Pvt Ltd, we specialize in helping businesses and individuals resolve their NPA issues with a well-crafted One-Time Settlement plan. Our expert team, with its deep understanding of the financial landscape, helps clients navigate this delicate process with ease.

Services Offered:

Creating a Better Negotiation Position: We help borrowers to create tools within the legal framework, improving their bargaining position with banks and financial institutions. This increases the chances of securing favorable OTS terms.

Deal Structuring: Structuring the OTS deal is the most important and critical. We ensure that the agreement is designed in a way that is both acceptable to the lender and beneficial to the borrower, preserving long-term financial health.

Achieving Mutually Beneficial Results: Our expert team ensures that both parties—the borrower and the lender—achieve the desired results and benefit from the settlement. We aim to save time, money, and energy which is otherwise lost in initiating recovery processes and unnecessary litigation. Through professional negotiation, we help borrowers settle their debts in a way that is both practical and efficient.

Benefits of Opting for a One-Time Settlement:

Avoid Legal Complications: OTS allows borrowers to bypass the often-lengthy and expensive litigation process.

Reduced Financial Stress: Borrowers can clear their liabilities by paying a discounted amount than what was owed, bringing immediate financial relief.

Preserving Assets: OTS agreements often involve less severe consequences for borrowers, preserving assets and providing the opportunity to rebuild.

Better for Lenders: Banks and financial institutions also benefit from OTS, as they recover a portion of the dues that may otherwise be written off as losses.

Why Choose NPA Consultants?

Choosing the right organisation to handle your One-Time Settlement can make all the difference. NPA Consultants offer a structured and efficient approach to help you resolve your NPA issues. Our experienced team uses their extensive knowledge to ensure that both borrowers and lenders achieve the best possible outcome.

Visit NPA Consultants to learn more about how we can help you resolve your NPA issues effectively.

For more information or to request a consultation, visit the NPA Consultants website: https://www.npaconsultant.in/

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