One-Time Settlement (OTS)
Close Your Loan for Less. Reduce Stress. Reclaim Control.
When debt becomes overwhelming, a One-Time Settlement (OTS) is often the most effective and lawful way to close a loan and regain peace of mind. At Loan Settlement Master, we help you negotiate a mutually agreed reduced amount with your bank or lender — so you can settle your dues in a single payment and walk away debt-free.
An OTS is more than a financial decision. It is a practical lifeline for people facing:
Our team ensures the entire settlement happens smoothly, legally and respectfully.
What Is One-Time Settlement (OTS)?
OTS is a lawful negotiation process where the lender agrees to accept a reduced lump-sum amount instead of the total outstanding dues. This helps you close the loan at a lower value, with the reduction varying from case to case based on lender policies, borrower circumstances, and overall case complexity.
It is a widely used RBI-recognized solution for borrowers who genuinely cannot continue regular EMIs.
Our team includes :
Why OTS Works
A big waiver on your total outstanding
The negotiated amount is almost always lower than the bank’s original demand.
A fast and clean closure
One payment → one settlement letter → one peaceful end.
Freedom from recovery calls
Once the settlement process starts, banks follow a structured, lawful communication flow.
Protection from legal escalation
A settlement stops the risk of further legal action when done properly.
No long-term repayment burden
Once paid, the case is closed permanently — financially and emotionally.
Why You Should Not Try OTS Alone
Banks and NBFCs negotiate aggressively. If you negotiate without guidance, you may:
We exist for those:
Disclose information that weakens your case.
Accept settlement terms that harm your CIBIL score unnecessarily.
Miss legal nuances.
Fail to get the actual maximum waiver.
End up with documentation issues later.
You deserve a service that treats you like a human being — not just an account number.
How Loan Settlement Master Helps You
We represent you professionally and ethically in front of your bank.
Case Assessment
We study your loan history, financial situation, bank behaviour, and eligibility.
Strategy Creation
Our legal-backed team determines the safest and strongest position for negotiation.
Professional Negotiation
We speak to the bank directly on your behalf. Our goal: maximum waiver + lawful closure.
Settlement Confirmation
We secure written confirmation, settlement letters, and bank approval.
Payment Support
We guide you through the safest way to make the final payment.
Post-Settlement Support
We assist with documentation, NOC and credit report updates.
You are guided from start to finish — without confusion.
Who Should Consider OTS?
You’re an ideal candidate for OTS if:
If your financial stress is immediate and heavy, OTS is the fastest relief method.
Our Promise
Only ethical, legal, respectful, and professional service.
Frequently Asked Questions (FAQ)
Q1: How much waiver can I expect?
Waiver amounts vary from case to case and depend on multiple factors such as your lender’s policy, your financial circumstances, the age of the loan, and overall case complexity. Each lender evaluates waiver requests differently, so outcomes are always subject to individual assessment.
Q2: Will banks harass me after starting settlement?
Once handled formally through us, communication stays professional and lawful.
Q3: Does OTS affect CIBIL?
Yes, temporarily. But we help you rebuild it with guided steps.
Q4: Is it safe to negotiate on my own?
Not recommended — one wrong statement can reduce your waiver potential
Your Fresh Start Begins Here
Thousands have closed their loans through lawful one-time settlements with us. If you’re tired of stress, pressure or uncertainty, this is your next right step.
A single conversation can take months of stress off your shoulders.
