Your go-to resource for financial wellbeing
Your resource for financial wellbeing
Our Latest Blogs
Latest Blogs
How to Increase Your CIBIL Score Fast: Steps That Actually Work
How to increase CIBIL score fast means taking specific, ordered actions: fixing report errors, clearing overdue dues, and keeping credit card usage below 30%, to push your score toward 750 as quickly as possible. No shortcut exists, but the right sequence gets you there faster than random effort.
By FREED India | 1 July 2026
Debt Management
लोन सेटलमेंट: नहीं चुका पाने वाले कर्ज से मुक्ति के तरीके
लोन सेटलमेंट वह व्यवस्था है जिसमें बैंक या गैर-बैंकिंग वित्तीय कंपनी और उधारकर्ता एक समझौते पर आते हैं। जब पूरा कर्ज चुकाना सच में नामुमकिन हो जाए, तब बैंक एक छोटी एकमुश्त रकम लेकर खाते को बंद करने पर राजी हो सकता है। यह विकल्प सिर्फ उन्हीं के लिए है जिनकी वापसी की क्षमता वास्तव में खत्म हो चुकी है।
By फ्रीड इंडिया | 1 July 2026
Debt Settlement vs Bankruptcy in India: Which One Is Right for You?
Debt settlement vs bankruptcy: both are paths out of a debt crisis, but they work completely differently. Debt settlement (also called OTS, or One Time Settlement) is a private negotiation where you pay a reduced lump sum to settle a loan. Bankruptcy, or personal insolvency under the IBC (Insolvency and Bankruptcy Code, 2016), is a court process where a tribunal manages your debts and assets. Settlement is faster, private, and keeps your assets intact. Insolvency is slower, public, and can involve losing property.
By FREED India | 1 July 2026
Recommended Reads

How to Increase Your CIBIL Score Fast: Steps That Actually Work
By FREED India | 1 July 2026

Debt Management
लोन सेटलमेंट: नहीं चुका पाने वाले कर्ज से मुक्ति के तरीके
By फ्रीड इंडिया | 1 July 2026

Debt Settlement vs Bankruptcy in India: Which One Is Right for You?
By FREED India | 1 July 2026

Debt Settlement
Credit Card Late Payment Charges: Banks Compared and How to Avoid Them
By FREED India | 1 July 2026

Debt Management
Personal Loan Debt Settlement: How to Resolve Your Loan at a Discount
By FREED India | 1 July 2026

Debt Settlement
HDFC Credit Card Late Payment Charges: What They Are and What They Actually Cost
By FREED India | 1 July 2026

Debt Management
ICICI Personal Loan Settlement: Steps, Documents, and What to Expect
By FREED India | 1 July 2026

Where to File a Complaint Against a Recovery Agent in India
By FREED India | 1 July 2026

Debt Management
Debt Settlement Letter Sample: What to Write and How to Send It
By FREED India | 1 July 2026