Request a Demo
Request a Demo
Automated Legal & Compliance

Management for Debt Collection Recovery

Protect your institution from regulatory risk with an end-to-end legal compliance workflow engine — automating every Section 138 notice, SARFAESI proceeding, DRT filing, and NCLT escalation with zero missed deadlines and a tamper-proof audit trail.

Minutes

Notice turnaround — from manual days to automated minutes via SARFAESI & Section 138 workflows

0 %

Reduction in audit prep time with one-click legal compliance reporting

Zero

Missed court dates — automated DRT, NCLT & arbitration hearing calendars & alerts

0 %

Tamper-proof digital trail across every legal step — DRT, SARFAESI, NCLT & arbitration

Compliance Without Complexity

Scale your legal actions without scaling your compliance risk

Manual legal tracking is a recipe for missed deadlines and regulatory fines. mCollect Legal digitizes the entire litigation lifecycle, ensuring that Section 138 notices, SARFAESI proceedings, and arbitration filings are handled with robotic precision.

When a case escalates beyond telecalling and field recovery, the compliance burden multiplies fast. One missed deadline can void an entire proceeding — costing institutions months of recovery time and regulatory exposure. mCollect Legal eliminates that risk entirely, with every legal action triggered, tracked, and closed within the same platform managing your digital, telecalling, and field recovery.

Audit-Ready Legal Compliance Workflows
Maintain a tamper-proof digital trail of every legal step taken against a delinquent account — Section 138 notices, SARFAESI actions, DRT filings, and NCLT escalations — with one-click compliance reporting for regulatory audits.
Integrated Notice Management & Postal Tracking
Automate the Print-to-Post journey with real-time tracking of dispatch status, delivery confirmation, and acknowledgement letter — across individual and bulk notice generation for Section 138 and SARFAESI proceedings.
Proactive Deadline & Hearing Alerts
Never miss a DRT hearing, NCLT filing deadline, or arbitration session. Automated alerts for internal and external legal teams ensure every court date is calendared, prepared, and attended — with advance notice built in.
Core Features

Precision tools for SARFAESI, DRT, NCLT & Section 138 litigation management

Every feature in mCollect Legal is built for the statutory requirements, documentation standards, and deadline sensitivity of BFSI legal and compliance teams managing high-volume NPA portfolios.

DRT & NCLT Litigation Tracker

Manage the complete court lifecycle — from initial DRT filing and summons to interim orders, final decrees, and e-DRT portal submissions. Tracks NCLT insolvency petitions, hearing dates, advocate assignments, and costs across your entire NPA portfolio in one litigation management dashboard.

SARFAESI Notice Management Module

Automates the full SARFAESI notice workflow — generating and dispatching the Section 13(2) demand notice to borrowers before repossession, tracking the mandatory 60-day response window, and issuing the Section 13(4) possession notice upon expiry. Once possession is taken, the module triggers the statutory post-possession notice to the borrower and guarantors — with every notice timestamped, delivery-tracked, and audit-ready.

Arbitration

A transparent module to manage the public or private sale of repossessed assets — ensuring maximum recovery value through documented bidding, reserve pricing, and settlement allocation. Supports arbitration proceedings as an alternative debt collection dispute resolution pathway alongside DRT and NCLT.

Compliance & Quality Monitoring

”Record calls, track PTP ratios, and ensure regulatory adherence with automated scripts and mandatory audit logs. Agentic AI flags deviations from compliant language in real time — protecting both agent and brand.”

A unified legal compliance view — from Section 138 trigger to final resolution

mCollect Legal manages the complete notice-to-settlement journey — automatically identifying accounts requiring legal intervention and carrying each case through to final resolution, DRT decree, SARFAESI auction, or arbitration settlement.

Legal Trigger

The system automatically identifies accounts requiring legal intervention based on delinquency days, failed PTPs, or regulatory thresholds — then routes them to the appropriate legal action: Section 138, SARFAESI, DRT, NCLT, or arbitration.

Notice Issuance

The platform generates a digitally signed legal notice — Section 138, SARFAESI demand, or DRT filing — and initiates dispatch via certified postal partners with real-time delivery tracking and acknowledgement confirmation.

Case Management

If unpaid, the case moves to the litigation tracker — where DRT hearings, NCLT petitions, advocate assignments, arbitration sessions, and legal expenses are tracked against statutory deadlines with automated compliance alerts.

Resolution & Sync

Upon settlement, DRT decree, SARFAESI auction close, or arbitration award, the legal status updates across the entire mCollect ecosystem — Field, Contact Centre, and Digital — instantly closing the case across all modules.

The Future of Debt Recovery Is Here

Legacy debt recovery systems were built for a different era. Fragmented. Manual. Risky. The leaders redefining the industry today use mCollect—one intelligent platform bridging digital, voice, and field operations with legal precision. They’re not just recovering debt. They’re optimizing capital. They’re reducing risk. They’re strengthening customer relationships through intelligent engagement rather than aggressive tactics.

Request a Demo
Full Stack Debt Monitoring Collection and Recovery Platform

Bulletproof your recovery process. Automate your SARFAESI & legal compliance.

Stop managing DRT filings, Section 138 notices, and SARFAESI proceedings on spreadsheets. Upgrade to a litigation management system built for the rigours of modern BFSI legal compliance.

Request a Legal Module Demo

faq’s

Get every single answer from here

Which legal avenues does the mCollect Legal & Compliance Module support?
The module supports various legal avenues, including Section 138 (cheque dishonor cases), SARFAESI (Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act), DRT (Debt Recovery Tribunal), NCLT (National Company Law Tribunal), and Arbitration.
How does the module integrate with e-courts and e-post systems?
The mCollect Legal & Compliance Module seamlessly integrates with e-courts and e-post platforms, facilitating efficient management of legal proceedings and electronic communication, thereby enhancing the speed and accuracy of legal processes.
Can the module handle digital notices across multiple channels?
Yes, the module adopts both digital and physical mode for sending notices across various channels like SMS, WhatsApp, E-mail and physical notices ensuring timely and effective communication with concerned parties.
What features does the module offer for tracking legal proceedings?
The module provides end-to-end workflow tracking of legal proceedings, including dispatch statues wise dashboards for physical notices, automation of legal tracking, and access across multiple forums, ensuring comprehensive visibility and management of cases.
Is there a centralized platform for managing litigation and legal processes?
Yes, the mCollect Legal & Compliance Module offers a single automated platform for managing litigation and legal processes, streamlining operations and reducing manual intervention.
How does the module assist with SARFAESI proceedings?
The module provides specific workflows and tracking mechanisms for SARFAESI proceedings, aiding banks and financial institutions in recovering outstanding loans by managing the process of taking possession and selling collateral assets.
What is the significance of Section 138 in the module's workflow?
Section 138 pertains to cases of cheque dishonor. The module includes workflows to manage such cases efficiently, ensuring legal compliance and timely resolution.
Does the module offer dashboards for monitoring legal activities?
Yes, the module provides dashboards that offer tracking visibility of physical notices and overall legal proceedings, enabling users to monitor and manage activities effectively. These dashboards also provide insights on month wise trends on different physical letters.
How does the software ensure our bank complies with the latest rbi guidelines for npa?
A modern recovery platform comes with hardcoded compliance guardrails that automatically align your institution's outreach and recovery workflows with the latest rbi guidelines for npa (Non-Performing Assets). This significantly benefits banks by standardizing the classification, provisioning, and communication processes across all channels, thereby mitigating regulatory risks and ensuring all asset reconstruction efforts are fully audit-ready.
How does a collection platform manage litigation in debt collection ?
A robust debt collection platform provides dedicated legal modules to track litigation in debt collection, ensuring all court proceedings, lawyer communications, and case files are centralized for your bank. Furthermore, the platform helps financial institutions easily invoke a debt collection arbitration clause by automating notice generation, making arbitration for debt collection a much faster, cost-effective alternative to traditional court battles.
What is the difference between DRT and SARFAESI, and can a single platform handle both?
When asking What is the difference between DRT and sarfaesi, it is vital for banks to know that SARFAESI allows lenders to seize and sell secured assets without court intervention, whereas DRT involves filing a formal legal recovery suit. A comprehensive debt collection platform benefits financial institutions by offering parallel workflows for both, allowing your legal teams to efficiently initiate SARFAESI notices while seamlessly managing tribunal filings if physical possession is contested.
How does the software streamline bulk dispute resolutions and lok adalat notice print generation?
To facilitate mass pre-litigation settlements, a comprehensive collection system allows your legal department to securely generate bulk lok adalat notice print batches with just a few clicks. This scalability empowers banks and telecom operators to efficiently manage thousands of small-ticket defaults, encouraging cost-effective, out-of-court resolutions without overwhelming your administrative staff.