CZI Global Consulting is dedicated to helping individuals achieve financial freedom, by putting our clients first. We make debt resolution simple, transparent and stress-free.
Indicative only, based on cases we have negotiated. Your actual figure depends on the lender, the age of the account and your documents. Excludes our professional fee, which is agreed before any work starts. A settled account is reported to the credit bureaus as “settled”.
Check if I qualifyReserve Bank of India · Banking Codes and Standards Board of India · Bar Council of India · Ministry of Law and Justice · Ministry of Corporate Affairs · MSME · National Human Rights Commission · TRAI
CZI Global Consulting works to the codes and guidelines of these bodies. It is not licensed, endorsed or regulated by any of them.
Empowering individuals with ethical debt resolution and financial recovery solutions — specialised in OTS, lender negotiations, legal coordination and debt management for secured and unsecured loans.
Expert guidance to help you settle, consolidate or repay debt more effectively — reducing financial stress and streamlining repayments on your way to financial freedom.
Structured products that give a household room to breathe again — consolidating what is scattered and financing what genuinely moves you forward. CZI does not lend: these are arranged through partner lenders, and only once your existing debt is resolved.
We help you understand your options, protect your interests and navigate the legal process toward a fresh financial start for corporates.
Take control of your financial future with our credit improvement services. We analyse your credit report, dispute inaccuracies and provide expert guidance to help you build and maintain a stronger score.
Struggling with loan repayments? CZI Global helps reduce your debt burden through RBI-compliant settlement services. Our experts negotiate directly with banks and NBFCs to secure affordable terms — through a legal and structured process you approve at every step.
A confidential call to understand your lenders, your outstanding amount and the pressure you are under.
We review your documents and credit report, then map a realistic settlement or restructuring route.
Our specialists deal directly with the bank or NBFC — and take the recovery calls while they do.
The reduced figure is put in writing by the lender before a single rupee changes hands.
You pay the lender directly, receive the no-dues certificate and begin rebuilding your score.
Our fees move with the size of your debt, so move the slider and read your own numbers. Whatever you set it to, everything we can charge you together stays under 10% of that debt.
Everything above, added up
Of your debt
The 10% ceiling is written into your agreement. If your file runs long or a lender takes three rounds instead of one, that is our problem, not another invoice.
We would rather tell you exactly what happens if you walk away than promise you a refund we do not control.
All amounts include GST. We never collect your settlement money — you pay each lender directly from your own account. Download the full fee schedule (PDF)
Clients who came to us mid-crisis, in their own words.
CZI didn't just provide a service, they became a trusted partner. Their support, reliability and commitment made all the difference.Neha ChaudharyJaipur, Rajasthan
Ethical by design. We work in compliance with the guidelines of the Banking Codes and Standards Board of India.
At CZI Global Consulting we believe financial challenges should never define your future. Founded with a mission to provide ethical, transparent and results-driven debt management solutions, we help individuals and businesses overcome financial obstacles through personalised strategies and professional guidance.
To help borrowers regain financial stability through ethical debt resolution. We work closely with clients to reduce financial stress and guide them toward a debt-free future.
We stand with our clients throughout the settlement journey, ensuring transparency, confidentiality and professional support at every step.
Dedicated professionals helping you reduce debt, regain control and achieve financial freedom.
Resources, strategies and guidance to help you manage debt and build a stronger financial future.
See an indicative one-time settlement range for a credit card, personal loan, car loan or business loan — before you speak to anyone.
Open the estimatorAchieving financial freedom is a goal many aspire to, yet the path can feel overwhelming when debt is involved. A structured approach to managing and overcoming financial burdens.
Read the articleDebt can feel like an insurmountable mountain. Practical strategies for managing it effectively, so you can make informed decisions and take actionable steps toward stability.
Read the articleLenders and their agents must follow RBI's fair practices code and the BCSBI guidelines. If the calls have crossed the line, we take them for you.
Talk to a specialistWhat people ask us on the first call. If your question is not here, ask it in the assessment.
One-Time Settlement (OTS) is a process where a borrower negotiates with the lender to pay a reduced amount and close the outstanding loan account.
We assess your case, prepare the documentation your lender will ask for, and negotiate directly with the bank or NBFC on your behalf until a reduced figure is issued in writing. Alongside that we coordinate legal support and handle recovery communication, so you are not facing the process alone.
Yes. Once your case is with us, our specialists take over communication with the lender and its recovery agents. Where the conduct breaches RBI fair practice or BCSBI guidelines, our legal advisors escalate it formally.
Most cases conclude within three to nine months. The timeline depends on the lender, how long the account has been overdue and how quickly documents can be gathered. We tell you the realistic range for your case at the assessment stage, not an optimistic one.
Yes — a closed account is reported as “settled” rather than “closed”, and that stays on your credit report for several years. We are direct about this before you commit, and our credit improvement service helps you rebuild afterwards.
Answer seven short questions about your situation and we will come back with an assessment and an indicative settlement range. The consultation is free and entirely confidential.
Tell us where you stand today. A specialist will come back to you with an honest assessment — what can realistically be settled, on what timeline, and what it would cost.
Four short questions, under a minute. We ask for your number at the end — once we know whether we can actually help.
Video file to be supplied — add it to the testimonial in the admin area.
