The RecoveryFile
For Indian Contractors
₹
Build the file · Serve the notices · Place it with the right agency

Your work is done.
Your money is still missing.

The Recovery File is the tech-enabled platform that gets Indian contractors paid — it builds your scattered contracts and invoices into a case with one undeniable number, serves the right notices to every stakeholder who can move the money, and places your file with the recovery agency best matched to collect it. Built from real ₹crore-scale recoveries.

Try the free Recovery Readiness ToolSee the method

// Free calculator — no account, nothing stored. Or get the free checklist PDF instead.

Built from a real case
₹30L+
Airport infrastructure · full scope · fully documented and recovered-ready
See the anonymised case file →
MSMED Act — 45-day payment rule GST-reconciled ledger methodology Built by a practising contractor All construction trades — civil, MEP, facade, structural Anonymised case — ₹2.2 Cr airport project
45 days
MSMED Act payment deadline most buyers ignore
₹21.3L
Statutory penalty per ₹1 Cr unpaid for one year — non-tax-deductible for your buyer (3× RBI bank rate, Section 16 MSMED Act)
6 levers
activated on the buyer's side the moment your file is in order — blocked tax deductions, ROC disclosures, balance sheet exposure
What is The Recovery File

The Recovery File is a tech-enabled payment-recovery platform with one job: getting Indian contractors paid the money they've already earned. When a buyer stalls, most contractors lose not because the law is against them, but because their claim is scattered across invoices and WhatsApp threads — and a weak file is easy to ignore. We fix that at three levels: we turn your contracts, bills, and correspondence into a structured case file that states one undeniable number; we put it on the record — physically serving the right notice to the right stakeholder (buyer, CFO, auditor, board) through our ecosystem of legal partners, each carrying a real MSMED Act consequence; and we place your ready-made file with the recovery agency best matched to collect it. Built from real ₹crore-scale recoveries, it moves you from chasing payment to holding a case no buyer can quietly sit on.

The final documentation we prepare — from both commercial and legal perspectives — identifies the gaps in your file, and calculates your total recoverable claim, not just the invoice outstanding: principal plus statutory interest and penalties. That single evidenced figure is what turns a "disputed amount" on the respondent's books into a liability they can no longer ignore. When it's time to escalate, we assist you in engaging a qualified advocate or recovery agency for formal proceedings.

What you can get

Four ways to use the Recovery File — choose where to start.

Every tier builds on the one before. Start free, move up only as far as your case needs.

Free
₹0
Recovery Readiness Checklist
The starting point — takes 10 minutes
  • The 7 documentation gaps that quietly lose recovery cases
  • Score your own file — instantly know where you're exposed
  • One editable formal-reminder template, ready to send
  • The MSMED 45-day deadline and interest rate explained plainly
You know exactly what's missing from your file.
Get the free checklist
₹999
₹999 ₹1,299
Letter Pack
Escalate correctly — on the record
  • 7 escalation letters — editable Word, merge-field placeholders for Client Name, Buyer, Contract Ref & Outstanding Amount. Fill in, send.
  • Friendly Reminder — a professional first nudge
  • Formal Reminder — on record, referencing the contract
  • Final Notice Before Action — deadline set, rights reserved
  • MSMED / Samadhaan Demand — invokes your right to interest
  • Retention Release Demand — the 5% most contractors write off
  • CFO Tax Compliance Notice — Section 43B(h) · blocks their tax deduction
  • MCA Form-1 Disclosure Notice — puts their Board on notice of a public ROC filing
A structured paper trail any advocate can build on.
Most important
₹4,999
₹4,999 ₹6,999
Complete System
Your full case — built, gap-plugged and agency-ready
  • Includes the full Letter Pack (₹999) — all 7 escalation letters, ready to send
  • 10-section Case Brief — built from your documents, gaps identified and addressed
  • Reconciled ledger + MSMED interest calculator — one undeniable number
  • Dated chronology, evidence index, communication chain reviewed for admissions
  • Not pre-built templates. Case Brief, Ledger, Chronology, Evidence Index — each built from your documents specifically. Share a Drive folder; we build everything.
Path to Full Control of Payment Recovery
  • 01 Executive Summary — the whole dispute on one page any professional reads in 60 seconds
  • 02 The Parties — who is who, precisely; no ambiguity a buyer can exploit
  • 03 Contractual Background — what was agreed, in writing; payment terms, triggers, and milestones locked down
  • 04 Work Performed — proof you delivered; scope completed, access constraints documented
  • 05 Invoicing & Payment Record — every invoice, payment, TDS and retention reconciled to one undeniable outstanding figure
  • 06 Chronology of Events — the dated timeline that defeats delay claims and proves performance
  • 07 Grounds for Recovery — the legal basis, structured for your advocate to act on immediately
  • 08 Evidence Index — every document catalogued; nothing missing, nothing hard to find
  • 09 Recovery Strategy — the step-by-step ladder from letter to agency to MSEFC to NCLT
  • 10 Claim Quantum — the final number: principal + MSMED interest + GST credit losses
A file any recovery professional can act on the day they receive it.
📂Intake: share one Drive link — no forms. See how it works →See the Complete System
Path to Full Control of Payment Recovery
₹24,999
₹24,999 ₹29,999
Recovery War-Room
Done-for-you placement — agencies compete for your case
  • Every escalation letter, built in — all 7 (Friendly Reminder → MCA Form-1 Disclosure), ready to send before the panel sees your file
  • A finished case, not a fight waiting to happen — the full 10-section Case Brief, reconciled ledger, chronology and evidence index, built from your Drive link
  • One-to-one consultation to confirm your file is placement-ready
  • You never re-explain your dispute — each agency reads a briefed, anonymised case file before the first call
  • One case, sent to the whole panel at once — they respond competitively, so you negotiate from the strong side of the table
  • Coverage matched to where your debtor actually sits — every major Indian city and MSEFC jurisdiction
  • Nothing moves about your money without you seeing it — you're CC'd on every reply and you choose who takes the case
  • 🔒 Agency names released to you personally after payment + consultation — the gate is what protects the panel's quality
Agency panel qualifications
  • Location coverage matched to your debtor's jurisdiction — panel spans all major Indian cities and jurisdictions
  • Full-cycle B2B recovery firms — commercial and institutional focus; full capability from early-stage negotiation through arbitration, award execution and litigation. Not call centres.
  • In-house legal and paralegal support in each firm — your file is assessed and pursued by qualified recovery professionals, not agents reading a script
  • Success-based fee models across the panel — no-collection, no-commission options available; you compare net recovery after commission, not headline rates
  • SME-specialist option included — one panel firm is built specifically for B2B invoice recovery for smaller firms, with AI-assisted workflows for documented sub-crore claims
  • Named key contacts and fee models for each firm — verified and current at time of release
  • You choose by who gives the most specific, confident read on your case — a vague response to a well-documented file tells you something; a strong response tells you more
A plug-and-play file placed with professionals who collect — on terms you choose.
↑Each tier includes everything below it. Start with the free checklist — move up only as far as your case needs.
From contractors who used it

What happened when they had the right file

Letter Pack (₹999) — MEP sub-contractor, Bengaluru · ₹4.5 lakh recovered
Name withheld · MEP sub-contractor · Bengaluru
We went from ignored WhatsApp messages to notices their accounts head couldn't sit on — and got paid.
Nine months chasing a main contractor for a final bill and 5% retention — angry site-team messages, all ignored. We didn't want a lawyer for ₹4.5 lakh, but we had nothing on the record. We used the Letter Pack: a Formal Reminder, an MSMED/Samadhaan Demand, and the CFO Tax-Compliance notice, each citing the 45-day rule and statutory interest precisely. Fifteen minutes to fill in our details.
Their accounts head called the next day; the balance cleared in two installments. ₹999 flipped the entire power dynamic — the moment a structured, legally grounded notice arrived instead of a frantic email, they realised we knew our rights.
// Name and firm details withheld at client's request.
Complete System (₹4,999) — Structural steel contractor, Delhi-NCR · ₹28 lakh dispute
Name withheld · Structural steel contractor · Delhi-NCR
Our lawyer wanted weeks to sort our messy files. This built the whole case for us and defeated a fake delay claim.
Stuck in a ₹28 lakh dispute — the builder threw a Liquidated Damages claim to pin the delays on us. Our records were a mess: scattered invoices, un-reconciled TDS entries, hundreds of emails, and our advocate quoted weeks of billable hours just to sort papers. Instead we shared one messy Google Drive folder and got back a 10-section Case Brief, a reconciled ledger with one undeniable number, and a dated chronology proving the delays traced to the builder's own late advance payments.
₹4,999 saved us at least ₹30,000 in early legal fees and handed our advocate a file they could act on the day they got it. The builder saw the timeline, dropped the fake LD claim, and settled. Every copy deleted from their end after delivery — total peace of mind.
// Name and firm details withheld at client's request.
How it works — Complete System & War-Room

No forms.
No templates to fill.
Just share a folder.

1
Upload your documents
Contracts, invoices, payment records, dispute emails — into one Drive folder. Messy is fine; organising it is our job.
2
Share one link
View-only access. That is the only thing you do.
3
Receive your finished case file
Brief, ledger, chronology, evidence index, executive summary — built and delivered to you.
🔒
Your data commitment: Your documents are accessed only to build your case file — for no other purpose, shared with no one. The moment your finished document is emailed to you, every copy at our end is permanently deleted. You keep the file; we keep nothing.
Ready to use this?
See the Complete System — ₹4,999 →
The intake opens the moment you purchase.
📁
What you send us
  • 📄Contracts, work orders, LOAs & amendments
  • 🧾All invoices (GST-filed)
  • 💳Payment records & bank receipts
  • 📐Delivery & completion proof
  • ✉️The dispute email trail
  • Messy is fine — organising it is what you're paying for.
→
What we build for you
  • ✓10-section Case Brief — your complete recovery file
  • ✓Reconciled ledger — the exact outstanding figure
  • ✓Dated chronology — the timeline that defeats delay claims
  • ✓Evidence index — everything organised, nothing missing
  • ✓Executive summary — one page any professional acts on
The result
A solid, chronologically sequenced, evidence-backed case file — presentable to any legal agency or recovery professional at a glance. Built from your documents. Delivered to you.
Without this
  • Hours filling templates
  • Scattered invoices, no clear figure
  • No dated timeline to rebut delays
  • Advocate spends billable time sorting papers
  • Agency doesn't take the case seriously
With this
  • One link shared — you're done
  • Reconciled ledger, exact figure proven
  • Chronology built, delay defence ready
  • Advocate acts on the file the day they get it
  • Agency sees a serious, ready claim
Why good claims collapse

You have the right to be paid.
You're missing the proof that makes it undeniable.

01Loose payment termsAdvance, RA-bill, retention triggers agreed verbally — never in the contract. Buyer rewrites the timeline later.
02Unreconciled ledgerNo single statement tying invoices, TDS and retention to one clean outstanding figure. The number looks arguable.
03No delay defenceBuyer pins delay on you — when their own late advances caused it. Without a dated record, you can't prove it.
04Reactive correspondenceAngry messages instead of structured escalation — nothing on the record a lawyer can use.
05Retention written offThe 5% quietly disappears — no one tracked the release trigger or sent the demand.
06Walking in unpreparedReach a lawyer with a shoebox of papers — and pay for hours a ready file would have saved.
07The buyer has no reason to moveAn undocumented claim costs the buyer nothing. "Disputed" sits in their accounts indefinitely — no compliance trigger, no obligation to act, no escalation path forcing a conversation. The moment your file is structured, evidence-backed, and formally served, the calculus changes: six statutory obligations activate on their books. Documentation is what removes their reason to wait.
The Recovery File method

Five stages — from "they're not paying" to "the file speaks for itself."

01
Reconstruct the contract spineLOA, amendments, work orders and payment triggers — into one map a stranger could follow.
02
Build the undeniable ledgerEvery invoice, payment, TDS and retention — one clean outstanding figure with MSMED interest.
03
Pre-empt the delay defenceThe delivery-vs-payment timeline that proves performance and shifts the delay back to the buyer.
04
Escalate on the recordReminder → formal reminder → final notice — structured, dated, building the paper trail. For Udyam-registered contractors, the MSME ODR portal handles formal filings entirely online — virtual hearings, no travel to a state capital required.
05
Hand off, ready to actEvidence index and recovery brief an advocate or agency acts on the day they receive it.
Free Tool — No account required

Know exactly what you're owed — in 30 minutes.

Enter your invoices, retention balance, and any disputed deductions. The tool calculates your total recoverable claim — including MSMED compound interest from day 46 and your GST exposure under Section 12/13 CGST Act — entirely in your browser.

✓ Invoice & GST ledger — free ✓ MSMED interest at 16.5% p.a. — free ✓ Retention tracker — free ✓ Total recoverable claim — free

🔒 Your figures stay in your browser. Nothing is stored or transmitted. When you close this tab, the data is gone.

Open full tool ↗
Anonymised case file

A ₹30L+ recovery on a major airport infrastructure project.

11
GST-filed invoices
₹2.2 Cr
total contract billed
100%
documented & reconciled
  • A specialist facade sub-contractor completed full scope at an operational international airport under severe access and security constraints.
  • The principal contractor — a large infrastructure group — withheld the final balance, citing a liquidated-damages claim with no valid certified assessment behind it.
  • The file proved the delays traced to the buyer's redacted own late advances, capped the LD claim contractually, and isolated an entire unpaid installation invoice as a standalone breach.
  • Result: a crystallised, recovery-ready claim with interest, GST-credit losses and a clear five-step strategy — built before a single rupee was spent on litigation.
Client & counterparty details withheld
CASE 02
₹28L commercial dispute — structural steel contractor, Delhi-NCR
The principal contractor raised a Liquidated Damages counter-claim with no certified assessment and no documented basis. A 10-section Case Brief and dated payment-vs-delivery chronology proved the delays traced entirely to the buyer's own late advance payments — collapsing the LD claim before a single rupee was spent on litigation. The reconciled ledger isolated the outstanding balance as a standalone, undisputed breach.
// All identifying details withheld
The buyer's exposure

A well-built claim file doesn't just ask for money — it becomes the buyer's own compliance problem.

Section 43B(h) · IT Act 2025
Tax deduction blocked on their books every 31 March until they pay — no dispute clause overrides it.
₹999 CFO Letter: formally asserts the exposure, puts the buyer on notice. ₹4,999 Case Brief + ledger: quantifies exactly how much deduction is blocked, in which financial year, with a dated 45-day breach proven by documentation — not just asserted.
Activated from · ₹999
MSME Form 1 · CARO 2020
Auditor discloses overdue dues + reason to ROC twice a year. Lands on the Audit Committee's agenda.
₹999 Letter Pack: activates the disclosure chain — a formal, Udyam-verified claim the auditor cannot ignore. ₹4,999 Complete System: the reconciled figure and dated chronology make the ROC filing undeniable — specific, quantified, impossible to qualify away.
Activated from · ₹999
Section 22 · MSMED Act
Outstanding MSME dues on their public balance sheet — governance and reputational exposure.
₹999 Letter Pack: triggers the disclosure obligation. ₹4,999 Complete System: the ledger provides the exact overdue amount — a specific number on a public document is a harder position for a buyer to manage than a general obligation.
Activated from · ₹999
Section 19 · MSMED Act
To appeal any MSEFC award: 75% deposit upfront, no refund guarantee. Makes an award a real cost.
₹4,999 Case Brief: establishes the MSEFC claim foundation — the 10-section documented file that supports the council award the buyer would then need to deposit 75% to challenge.
Activated from · ₹4,999
IBC 2016 · Section 9
₹1Cr+ undisputed debt: NCLT insolvency filing. Admission triggers moratorium — buyer loses board control.
₹4,999 Complete System: the reconciled ledger and communication chain prove the debt is undisputed and acknowledged — exactly what an operational creditor's advocate needs to advise on CIRP viability.
Activated from · ₹4,999
NI Act · Ss. 138 & 143A
Dishonoured cheque (incl. security cheque): criminal route, 20% interim compensation ordered within 60 days.
₹4,999 Evidence Index: identifies which instruments qualify, documents the legally enforceable debt behind each, and flags the 30-day notice window from the bank return memo — the window that is fatal if missed.
Activated from · ₹4,999

"Activated from" shows the minimum tier that puts each lever in motion. The Complete System (₹4,999) includes the Letter Pack — so all seven apply. The Case Brief and reconciled ledger make the ₹999-tier exposures quantified and documented, not just asserted.

🏛
Supreme Court — Settled twice
MSMED Act Ch. V overrides private arbitration clauses — buyers cannot redirect a registered MSME supplier away from MSEFC regardless of contract. Gujarat State Civil Supplies v. Mahakali Foods (2022) · Harcharan Dass Gupta v. Union of India (2025)

Every lever above is activated by documentation. A strong file makes paying the easier choice.

Start free — checklist See the Complete System →
The Complete System · ₹4,999

Your case — built, reconciled,
and ready to act on.

Most contractors reach a recovery agency or an advocate with a pile of papers, no clear number, and no story — and get turned away. The Complete System turns your scattered documents into a structured case with one undeniable number: a reconciled ledger, a dated chronology, an evidence index, and the seven escalation letters — built and gap-plugged so any advocate or agency can act on it the day they receive it, because the gaps are found and fixed before the file ever leaves our hands.

Launch price
₹4,999
Full price ₹6,999
Letter Pack + 4 case-building files · 10 deliverables
Or start with the free checklist first →
What you receive
✓
Letter Pack (₹999) — included in full
7 escalation letters in editable Word: Friendly Reminder · Formal Reminder · Final Notice Before Action · MSMED / Samadhaan Demand · Retention Release Demand · CFO Tax Compliance Notice (Section 43B(h)) · MCA Form-1 Disclosure Notice
Each letter is a merge-ready Word template — Client Name, Buyer Name, Contract Reference and Outstanding Amount are labelled placeholders you fill in. Download, personalise in minutes, send.
Plus 4 case-building files:
📄
Case Brief Builder Word
Ten structured sections that turn your scattered records into one undeniable document — executive summary, the parties, contract terms, work performed, the reconciled invoice record, a dated chronology, grounds for recovery, an evidence index, a recovery-strategy ladder, and your final claim amount.
📋
Completed Sample Word
The full ten sections filled in for a realistic ₹18.4-lakh construction dispute — so you can see exactly what "done" looks like before you fill in your own.
📊
Ledger & Interest Calculator Excel
Enter your invoices, payments, TDS and retention — it computes your outstanding balance automatically. A second sheet estimates the statutory interest on the delay.
📖
Start-Here Guide PDF
Five minutes that tells you which file to open, in what order. Walk in with a finished file; let your advocate use their time for strategy, not sorting.
These are not pre-built templates. Every deliverable — Case Brief, Ledger, Chronology, Evidence Index, Executive Summary — is built from your documents specifically: your contract, your invoices, your payment records, your correspondence. That is the service.
The ten sections your file will contain
01Executive SummaryThe whole dispute — one page
02The PartiesWho is who, precisely
03Contractual BackgroundWhat was agreed, in writing
04Work PerformedProof you delivered
05Invoicing & Payment RecordThe reconciled numbers
06Chronology of EventsThe dated timeline
07Grounds for RecoveryTo discuss with your advocate
08Evidence IndexEverything, organised
09Recovery StrategyThe step ladder
10Claim QuantumThe final number
Start free

The Recovery Readiness Checklist

The 7 documentation gaps that quietly lose recovery cases — plus one ready-to-edit formal reminder template. Find out in ten minutes how strong your file really is.

  • ✓The 7-point file-strength self-audit
  • ✓One editable formal-reminder template
  • ✓The MSMED 45-day & interest ready-reckoner
  • ✓A preview of the full Recovery File system
Free download

Get your checklist

No cost. Straight to your WhatsApp.

A documentation toolkit — not legal advice. We never share your details.

When it's time to escalate

Your file is ready. Now make the agencies compete for it.

Agencies are selective — they take a case seriously when the file is ready, not when it needs work. The War-Room builds your file to that standard, then places it with a pre-qualified panel simultaneously. You're copied on every email; you choose the firm that reads your case most specifically.

🔒
The agency panel is a gated deliverable
Names, contacts and fee models are released to you personally — after payment and your consultation call. That gate is part of what protects the panel's quality.
✓Agencies compete for your case — you don't chase them — placed with the panel simultaneously; they pitch you
✓Every escalation letter, built in — all 7, ready to send before the panel sees your file
✓A finished case, not a fight waiting to happen — 10-section Case Brief, ledger, chronology and evidence index, built from your Drive link
✓You never re-explain your dispute — each agency reads a briefed, anonymised case file before the first call
✓Coverage matched to where your debtor actually sits — every major Indian city and MSEFC jurisdiction
✓Full-cycle B2B recovery firms — not call centres — negotiation through arbitration, award execution and litigation under one roof
✓Qualified professionals read your file — not agents reading a script — in-house legal and paralegal capacity in every firm
✓No-collection, no-fee options on the panel — you compare net recovery after commission, not headline promises
✓A firm built for smaller claims, too — one panel member specialises in AI-assisted recovery for documented sub-crore invoices
✓Named contacts and real fee models — verified current the moment they're released to you
✓You choose the firm that reads your case most specifically — a vague reply to a documented file tells you something; a sharp one tells you more
Pay→Schedule your consultation→One-to-one call→Panel revealed & case placed
Describe your case — we assess fit before the consultation

Give us the facts in plain language. The more specific you are on claim amount, debtor type, documentation state, and dispute stage — the sharper our agency matching when we speak.

✓ Case brief received. We'll WhatsApp you within 24 hours to schedule your one-to-one consultation and confirm agency fit.

Brief is used only for agency matching and case preparation. Never shared publicly. Permanently deleted after file delivery.

War-Room (₹24,999) — Infrastructure contractor, Mumbai · ₹35 lakh of ₹1.8 Cr contract withheld
Name withheld · Infrastructure & specialist contractor · Mumbai
Gave a mid-sized firm the muscle to confront a crore-scale corporate debtor.
Completed a major ₹1.8 Crore scope, but the principal contractor withheld a final balance of ₹35 Lakhs. As a mid-sized firm, we didn't know which recovery agencies were legitimate — and worried about getting ghosted or trapped by hidden fee models. The War-Room started where it had to: it built our complete case file — chronology, reconciled ledger, evidence index — and put the claim on the record with formal notices, so that by the time any agency saw it, the file stood entirely on its own. Only then was it placed, in the right sequence, with a pre-qualified panel of India's top B2B recovery agencies. We were on CC for every email.
What turned this case in our favour was the combination of three things: the strength of the documentation, which meant agencies could assess our position immediately and without doubt; the depth and jurisdictional reach of the agency we selected; and the calibre of their team — qualified personnel who knew exactly how to move a corporate debtor. None of these would have worked alone. A strong file with a weak agency goes nowhere. A strong agency with a weak file gets ignored. Having both, presented correctly, is what got the debtor to the negotiating table within 45 days.
// Name and firm details withheld at client's request.
The complete recovery path

Documentation is the foundation.
Here is the full stack above it.

Most contractors stop at the letter stage — or never even get there with a structured file. The Recovery File is built so every step of the path below is available to you, in sequence, without starting over.

01
Documented file — the foundation
Contracts, ledger, chronology, evidence index — built and gap-plugged before anyone sees it.
Free → ₹4,999
02
Formal escalation — on the record
Seven structured letters: MSMED demand, Samadhaan notice, Retention Release, CFO Tax Compliance, MCA Form-1 Disclosure — each building the paper trail that makes the next step undeniable.
₹999
03
MSEFC / MSME ODR — formal process
For Udyam-registered contractors: file directly at odr.msme.gov.in — Digital Guided Pathway → E-Negotiation → Conciliation → Arbitration. Fully virtual. No travel to a state capital required.
₹4,999 file
04
Agency placement — done for you
Case briefed and sent simultaneously to a vetted panel. Agencies compete for your case. You choose the one with the clearest, most specific read on your file — not the one who picks up the phone first.
₹24,999
05
Institutional track — IBC / NCLT
For undisputed corporate debts of ₹1 crore or more: an operational creditor petition under IBC Section 9 triggers a moratorium — the buyer's board loses operational control. Requires the same documented file the Recovery File builds. Use as leverage, not as the primary recovery plan — admitted claims see an average 67% haircut (creditors recover ~33 paise per rupee, CareEdge Nov 2025); pursue only after agency, MSEFC, or arbitration routes are exhausted, or where the buyer is demonstrably insolvent.
₹1Cr+
Beyond the file — ecosystem extensions
🏛 MSME ODR Portal
Government-mandated virtual arbitration platform (mandatory since Oct 2025 for registered suppliers). A structured Recovery File meets the evidentiary threshold for filing without an advocate present.
📋 B2B Credit Registry
Defaulting buyers can be reported to B2B credit registries — flagging the default to their lenders, suppliers, and future counterparties. A formally served, documented claim is the prerequisite for a credible registry entry.
⚖ IBC / NCLT Specialists
For ₹1Cr+ corporate defaults, licensed Insolvency Professionals can file a Section 9 petition. The same documentation that makes an agency take your case seriously is what makes a petition viable at NCLT. Note: admitted claims average a 67% haircut — this is a pressure lever more often than a full-recovery route.

The Recovery File ensures you are never turned away at any stage above for lack of documentation. Every step is available — move only as far as your case requires.

Common questions

What contractors ask before they start

Is this legal advice?
No. The Recovery File is a documentation and business-process toolkit — it helps you organise your own records and present them clearly. It is not a substitute for a qualified advocate. You should consult a lawyer before issuing any formal legal notice or initiating proceedings — and when it's time to escalate, we assist you in engaging a qualified advocate or recovery agency for formal proceedings.
Which trades and contract types does this cover?
All construction trades — civil, structural, MEP, facade, glazing, finishing, fit-out, and specialist subcontractors. The methodology works for any contract where work has been done, invoices raised, and payment withheld or disputed. It applies to LOA-based contracts, BOQ contracts, item-rate contracts, and lump-sum agreements.
What happens to my documents after I share the Drive link?
Your documents are accessed only to build your case file. They are shared with no one else, used for no other purpose. The moment your finished case file is delivered to you, every copy at our end is permanently deleted. You keep everything; we keep nothing.
My amount is small — is this still worth it?
The documentation approach scales to any amount. Even a ₹2–3 lakh outstanding becomes much easier to recover when you walk in with a clean ledger, a dated timeline, and a formal paper trail — rather than a folder of WhatsApp screenshots. The free checklist is a good place to start: it tells you in ten minutes exactly how strong your file already is. And remember: your total recoverable claim — principal plus statutory interest and penalties — is often materially larger than the invoice figure you're chasing, so a "small" outstanding usually understates what you're owed.
What do I get with the Letter Pack at ₹999?
Seven escalation letters in editable Word format, each with clearly labelled merge-field placeholders — Client Name, Buyer Name, Contract Reference and Outstanding Amount. Fill in four fields, send. The seven letters: a Friendly Reminder, a Formal Reminder referencing the contract, a Final Notice Before Action, an MSMED/Samadhaan Demand invoking your right to statutory interest, a Retention Release Demand (the 5% most contractors never chase), a CFO Tax Compliance Notice — which formally puts the buyer's CFO on record that your unpaid invoice is blocking their Section 43B(h) tax deduction every March — and an MCA MSME Form-1 Disclosure Notice, which puts their Board and Company Secretary on notice of a public ROC filing obligation. Each letter is structured to build a legal paper trail, not just send correspondence.
What exactly do I get with the Complete System at ₹4,999?
Ten deliverables in total. First, the full Letter Pack (₹999) is included — all 7 escalation letters with merge-field placeholders, ready to fill and send. Plus 4 case-building files: a 10-section Case Brief Builder (Word), a Completed Sample showing a realistic ₹18.4-lakh dispute fully filled in, a Ledger & Interest Calculator (Excel) that computes your outstanding figure automatically, and a Start-Here Guide (PDF). Important: these are not pre-built templates. The Case Brief, Ledger, Chronology and Evidence Index are built from your documents specifically — your contract, your invoices, your payment records, your correspondence. You share a Drive folder; we build everything from what's in it. No forms to fill. The documentation is prepared from both commercial and legal perspectives: it identifies the gaps in your file and calculates your total recoverable claim, not just the invoice outstanding — principal plus statutory interest and penalties, reconciled to one evidenced figure.
Path to Full Control of Payment Recovery
  • 01 Executive Summary — the whole dispute on one page any professional reads in 60 seconds
  • 02 The Parties — who is who, precisely; no ambiguity a buyer can exploit
  • 03 Contractual Background — what was agreed, in writing; payment terms, triggers, and milestones locked down
  • 04 Work Performed — proof you delivered; scope completed, access constraints documented
  • 05 Invoicing & Payment Record — every invoice, payment, TDS and retention reconciled to one undeniable outstanding figure
  • 06 Chronology of Events — the dated timeline that defeats delay claims and proves performance
  • 07 Grounds for Recovery — the legal basis, structured for your advocate to act on immediately
  • 08 Evidence Index — every document catalogued; nothing missing, nothing hard to find
  • 09 Recovery Strategy — the step-by-step ladder from letter to agency to MSEFC to NCLT
  • 10 Claim Quantum — the final number: principal + MSMED interest + GST credit losses
Does a documented claim actually put pressure on the buyer — or does it just help me?
Both — but the buyer's side is often underestimated. A well-built Recovery File activates six compliance obligations that sit on the buyer's books, not yours. Section 43B(h) of the IT Act 2025 blocks the buyer's own tax deduction every 31 March until they clear the invoice — no dispute clause in their contract can override it. MSME Form 1 and CARO 2020 require their auditor to disclose overdue dues to the ROC twice a year — it lands on the Audit Committee's agenda. Section 22 of the MSMED Act puts the outstanding figure on their public balance sheet. At ₹4,999, Section 19 makes any MSEFC award expensive to appeal (75% deposit upfront, no refund guarantee). At ₹1 Cr+ outstanding, IBC Section 9 opens an NCLT insolvency filing that triggers a moratorium — the buyer's board loses operational control, and that threat alone moves most solvent buyers (admitted claims that do go the distance average a 67% haircut, so this lever works best as pressure, not as the primary recovery plan). And where a security cheque exists, NI Act Sections 138 and 143A mean a criminal route with 20% interim compensation ordered within 60 days. A structured, evidence-backed file is what activates each lever — assertion alone does nothing. That is why the file's final output matters: a single evidenced figure that turns a "disputed amount" on the respondent's books into a liability they can no longer ignore.
What does the Recovery War-Room at ₹24,999 actually do that I can't do myself?
The War-Room includes everything in the Letter Pack (₹999) and the Complete System (₹4,999) — all 7 escalation letters plus the full 10-section Case Brief, reconciled ledger, chronology, and evidence index — built from your Drive link. On top of that, three things work together that you cannot replicate by cold-calling agencies: (1) the documentation is built to stand on its own before any agency sees it — so agencies assess a complete, unambiguous file, not a pile of papers; (2) the agency panel is matched by jurisdiction, depth of experience, and team calibre — not just whoever picks up the phone; and (3) you choose the agency that demonstrates the clearest understanding of your case — we assist you in engaging them for formal proceedings, on terms you compare and approve. A strong file with the wrong agency goes nowhere. The right agency with a weak file gets ignored. What turns a case is having both, presented in the right sequence, to the right people. Agency names are released only after payment and a one-to-one consultation — this protects against a mismatch that wastes everyone's time.
Agency panel qualifications
  • Location coverage matched to your debtor's jurisdiction — panel spans all major Indian cities and jurisdictions
  • Full-cycle B2B recovery firms — commercial and institutional focus; full capability from early-stage negotiation through arbitration, award execution and litigation. Not call centres.
  • In-house legal and paralegal support in each firm — your file is assessed and pursued by qualified recovery professionals, not agents reading a script
  • Success-based fee models across the panel — no-collection, no-commission options available; you compare net recovery after commission, not headline rates
  • SME-specialist option included — one panel firm is built specifically for B2B invoice recovery for smaller firms, with AI-assisted workflows for documented sub-crore claims
  • Named key contacts and fee models for each firm — verified and current at time of release
  • You choose by who gives the most specific, confident read on your case — a vague response to a well-documented file tells you something; a strong response tells you more
Have a doubt? Ask me directly

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✉santosh@therecoveryfile.com
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📍Satori Consulting
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Letter Pack

₹999
Determines which letters apply — the CFO Tax Notice and MCA Form-1 Disclosure Notice are company-buyer-only statutory levers.
Enables the MSMED / Samadhaan Demand letter. Leave blank if not yet registered — register free at udyamregistration.gov.in.
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Important

The Recovery File systematically assembles your contracts, invoices, payment records and correspondence into a structured case file — every data point that speaks for your case, visible, ordered and undeniable before it reaches any advocate or agency. The final documentation we prepare — from both commercial and legal perspectives — identifies the gaps in your file, and calculates your total recoverable claim, not just the invoice outstanding: principal plus statutory interest and penalties. That single evidenced figure is what turns a "disputed amount" on the respondent's books into a liability they can no longer ignore. When it's time to escalate, we assist you in engaging a qualified advocate or recovery agency for formal proceedings. The Recovery File itself is not legal advice, is no substitute for a qualified advocate, and does not guarantee recovery of any amount or outcome.

Read the full disclaimer

Not legal advice. The Recovery File provides documentation structuring and case-file preparation only. Nothing on this website or in any product — templates, guides, case-file structures or correspondence — constitutes legal advice, legal representation, or an advocate-client relationship. We are not advocates, law firms, or legal service providers. Use our products to organise and strengthen your documentation — then we assist you in engaging a qualified advocate or recovery agency for any formal legal proceedings.

No guarantee of recovery. A well-prepared file improves how your claim is received, but recovery depends on the facts of your case, your documentation, and the conduct of proceedings by the qualified professionals we assist you in engaging. Verify all figures, dates and legal references for your specific case, and obtain independent legal advice before initiating formal proceedings.

Limitation of liability. To the maximum extent permitted by law, Satori Consulting is not liable for any direct, indirect, incidental or consequential damages arising from use of our products or services, including loss from reliance on documentation we have prepared. Our total liability shall not exceed the amount paid for the specific product or service concerned.

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