One Time Settlement
One Time Settlement (OTS)
One-Time Settlement (OTS) is a practical resolution mechanism where borrowers and lenders mutually agree to settle outstanding dues for a negotiated amount, thereby avoiding lengthy litigation and recovery actions.
The success of an OTS depends largely on the borrower’s ability to create a strong negotiation edge. Banks and financial institutions are generally reluctant to offer significant waivers if they can recover dues through the sale of mortgaged assets. Hence, it is essential to adopt a strategic approach that strengthens the borrower’s bargaining position.
Economic conditions also play a crucial role. During periods of financial stress, when banks are burdened with high levels of NPAs and provisioning requirements, they may be more receptive to OTS proposals.
Why Choose NPA Consultant for OTS?
At NPA Consultants Pvt. Ltd., we specialize in designing and executing OTS strategies that deliver favorable outcomes for both borrowers and lenders. Our expertise ensures that the settlement process is structured, professional, and mutually beneficial.
We establish dedicated negotiation desks to represent borrowers effectively and work towards resolutions that save time, money, and energy otherwise lost in litigation and recovery proceedings.
Our Services under OTS
Negotiation Tools & Strategies
We create tools within the legal framework that enhance the borrower’s bargaining power, making it more compelling for banks to accept the settlement proposal.
Deal Structuring
We carefully structure the OTS proposal to ensure it aligns with the borrower’s financial capabilities and the lender’s expectations.
Execution & Results
We manage the entire negotiation and settlement process to achieve outcomes that are fair, practical, and sustainable, ensuring peace of mind for borrowers and reducing risk for lenders.
Benefits of Our OTS Solutions
- Strengthened borrower negotiation position
- Mutually beneficial settlement for borrower and lender
- Significant savings of time, money, and legal resources
- Smooth closure of stressed accounts without prolonged disputes