Disclaimer: Loan management and repayment plans are at the discretion of the respective lenders, and only they are authorized to issue closure or repayment confirmation letters. We do not have the authority to issue any closure letter or loan waiver certificate. Our role is limited to providing guidance and procedural support for which we charge a nominal monthly fee. Clients need to pay the repayment amount directly to the lenders on receipt of the confirmation letters. We do not promise any loan waiver or repayment guarantee since it is the discretion of the lender. Loan management should be considered only in cases of genuine financial hardship. Clients are strongly encouraged to explore all possible options to meet their repayment obligations to lenders before opting for a repayment plan. Our endeavour is to assist borrowers in managing their loan problems in a lawful manner in accordance with the guidelines provided by the regulatory authorities from time to time.