SUN  ASSOCIATES
No 41, EP Complex, AK Salai Pudhur, Tamil Nadu 625018 sunassociates2007@yahoo.co.in
+91 98421 37278 +91 78457 37278
9 Specialised Services • One Partner

Full-Spectrum Recovery
& Legal Services

From the first polite reminder call to final courtroom enforcement — every stage of the recovery lifecycle delivered under one roof, by one accountable team, documented to the last detail.

All Services
First-Line Recovery First-Line Recovery
Service · 01

Debt Collection

First-line recovery of overdue dues

Our flagship service. Professional, firm and polite recovery of overdue payments across personal loans, credit cards, EMIs, business loans, trade receivables and cheque-bounce dues. This is where most cases start — and where the majority are closed without needing to escalate further.

What we do

  • Tele-calling reminders in the early delinquency bucket (0–30 DPD)
  • Demand notices delivered in person or through registered post
  • Door-to-door field visits for 30+ DPD cases
  • Negotiation of part-payments, settlement offers and payment plans
  • Cheque-bounce recovery and representation for honoured payments
  • Daily status updates pushed to the client portal

Who this is for

Banks, NBFCs, credit-card issuers, finance companies, NBFC-MFIs, fintech lenders, SMEs with trade-receivable problems, and individual lenders holding promissory notes or cheques.

What you get

Full recovery (preferred), negotiated settlement with client approval, or a documented closure report with all collection attempts for your legal team.

Discuss this service
Portfolio Recovery Portfolio Recovery
Service · 02

Recovery Collection

Portfolio-level recovery for banks & NBFCs

Structured, SLA-driven recovery management for institutional portfolios. We onboard bucket-wise or geography-wise portfolios, assign dedicated teams, and publish MIS on agreed cadences. This service is designed for banks and NBFCs managing thousands of cases, not one-off matters.

What we do

  • Portfolio segmentation by bucket, product and geography
  • Bucket-wise recovery strategy (0–30, 30–60, 60–90, 90+, NPA, write-off)
  • NPA & stressed-asset resolution
  • Portfolio audit for recoverability before assignment
  • Daily / weekly / monthly MIS with call-centre and field metrics
  • Monthly performance review meetings with client stakeholders

Who this is for

Banks, NBFCs, finance companies and fintech lenders with recurring portfolios of 100+ cases requiring managed-service recovery.

What you get

Agreed recovery targets hit each month, transparent MIS showing every action taken, and monthly invoices tied to recovered amounts.

Discuss this service
Asset Custody Asset Custody
Service · 03

Asset Repossession

Lawful repossession of hypothecated assets

When recovery efforts are exhausted, lawful repossession of hypothecated vehicles, machinery and equipment becomes the final recovery path. Our repossession teams are DRA-certified, operate with video-recorded custody procedures, and coordinate with the local police station where required.

What we do

  • 2-wheeler, 4-wheeler and commercial vehicle (CV) repossession
  • Machinery and equipment seizure from business premises
  • Video-documented custody & chain-of-evidence
  • Secure yard storage with 24-hour CCTV
  • Professional valuation by empanelled valuers
  • Auction and re-sale support with full paperwork

Who this is for

Vehicle finance companies, NBFCs funding commercial vehicles, equipment-finance lenders, and any lender holding a registered hypothecation agreement.

What you get

Asset safely in custody, delivery report with photographs and GPS trail, valuation certificate, and auction support to help you close the loan account.

Discuss this service
Tele-Collections In-house call centre operations
Service · 04

Call Centre

In-house tele-collections centre

Our in-house call centre delivers professional tele-collections across the entire delinquency bucket — from early-stage reminder calls (0–30 DPD) to hardcore bucket follow-ups. Agents are fluent in Tamil, English and Hindi, trained in RBI-compliant tele-calling norms, and every call is recorded and logged for quality assurance and client transparency.

What we do

  • Multi-lingual tele-callers (Tamil / English / Hindi)
  • Dialler-driven campaigns with CRM integration
  • 100% call recording with speech-analytics quality checks
  • Promise-to-pay (PTP) tracking and follow-up automation
  • Customer verification (TVR) calls for lenders
  • Outbound & inbound blended operations
  • Daily agent-level performance reports
  • Strict adherence to RBI calling hours (8 AM – 7 PM)

Who this is for

Lenders who want managed tele-collection without building their own call centre, or institutions looking to augment in-house capacity during peak cycles.

What you get

Daily call-count and connectivity MIS, PTP pipeline dashboard, monthly collection numbers tied to agent productivity, and a compliance-audited recording archive available on demand.

Discuss this service
On-Ground Verification On-Ground Verification
Service · 05

Field Verification

On-ground residence, office & business verification

On-ground residence, office and business verification before loan sanction or during NPA escalation — complete with photographs, neighbour references, GPS coordinates, and a structured verification report delivered within 24–48 hours of assignment.

What we do

  • Residence field verification (RFV)
  • Office / business place verification (OV)
  • Tele-verification (TVR) with reference checks
  • GPS-stamped site photographs
  • Neighbour / reference statement collection
  • Structured FV report with positive / negative recommendation
  • Bulk FV assignments with SLA-bound turnaround

Who this is for

Banks and NBFCs sanctioning new loans, insurance companies verifying claims, lenders re-verifying existing NPA customers, and HR teams doing employment background checks.

What you get

Digital FV report with photographs, GPS coordinates, observations and a clear recommendation — uploaded directly to your loan origination or collection system.

Discuss this service
Defaulter Tracing Defaulter Tracing
Service · 06

Skip Tracing

Locate absconding defaulters

Locate absconding or untraceable defaulters through our multi-source skip-tracing network. We trace by mobile footprint, address history, employment records, social channels and neighbourhood intelligence — recovering cases other agencies have written off.

What we do

  • Multi-source defaulter tracing & profiling
  • New-address and alternate-contact discovery
  • Employment tracking and employer-coordinated recovery
  • Social-media footprint analysis
  • Neighbourhood & reference-chain intelligence
  • Asset discovery for enforcement actions
  • Write-off and unclaimed portfolio recovery

Who this is for

Lenders with high-value defaulted cases where the borrower has relocated or gone off-grid, SARFAESI actions requiring current address proof, and write-off portfolios you want a second chance at.

What you get

Trace report with confirmed current address, alternate contact numbers, employment status, asset information (where applicable), and a path-forward recommendation.

Discuss this service
Court Enforcement Court Enforcement
Service · 07

Enforcement Agency

Court-order & decree enforcement

Court-order enforcement, injunction execution and decree recovery — coordinated with local officials, court-appointed receivers and legal counsel for quick closure of long-pending decrees.

What we do

  • Execution of decrees from civil courts
  • Arbitration award recovery under Arbitration & Conciliation Act
  • SARFAESI symbolic and physical possession support
  • DRT & DRAT recovery coordination
  • Attachment and sale of movable / immovable property
  • Receiver-appointment support
  • Coordination with bailiff and local police

Who this is for

Banks and NBFCs with long-pending decrees, businesses that have won arbitration awards but cannot enforce them, and any party with a court order requiring on-ground execution.

What you get

Executed decree or award, asset possession (symbolic or physical), sale proceeds deposited as per court direction, and a full execution report.

Discuss this service
Advisory Advisory
Service · 08

Finance Consultant

Credit, loan & portfolio advisory

Expert advisory on credit structuring, loan documentation, portfolio risk and debt-settlement strategy — for individual borrowers caught in a debt trap as well as businesses restructuring their loan book.

What we do

  • Loan restructuring advisory (for borrowers)
  • One-Time-Settlement (OTS) negotiation
  • Debt consolidation strategy for multi-loan borrowers
  • Credit-risk audit for SME lenders
  • Loan documentation review & standardisation
  • Collateral valuation advisory
  • Regulatory compliance audits (RBI master directions)

Who this is for

Borrowers seeking structured settlement with lenders, SMEs overhauling their credit policy, new NBFCs building their risk framework, and lenders auditing legacy portfolios.

What you get

A written advisory report with concrete recommendations, documentation templates (where relevant), and hand-holding through negotiations with lenders or borrowers.

Discuss this service
Trained Manpower Trained manpower deployment
Service · 10

Manpower Agency

Trained, verified, ready-to-deploy human resources

Beyond running our own recovery operations, Sun Associates supplies trained manpower to banks, NBFCs, finance companies, corporates and SMEs who need quality human resources without the overhead of full-time hiring. Our manpower vertical is built on a simple principle: every person we deploy must be trainable, verifiable and replaceable — so our clients never face an attendance, performance or compliance gap.

What we do

  • Deploy DRA-certified field officers and recovery executives on long-term or project basis
  • Supply tele-callers and call-centre agents (Tamil / English / Hindi) for in-house collection desks
  • Provide back-office support staff — data entry, MIS, document checkers, reconciliation
  • Place trained security personnel for branches, cash-rich locations and yard storage
  • Bench-strength model: pre-trained backup pool to cover absenteeism within 24 hours
  • Full payroll, PF / ESI, statutory compliance, attendance tracking and replacement guarantee

Who this is for

Banks & NBFCs scaling recovery operations, fintechs that need surge capacity for collections, finance companies opening new branches, BPOs & KPOs requiring tele-callers, corporates needing project-based staff, and any organisation that wants to convert hiring overheads into a flexible operating expense.

What you get

Pre-screened, background-verified, training-ready candidates delivered against your job description — with a clear SLA on time-to-deploy, weekly performance reports, monthly invoicing and a 7-day replacement guarantee on any non-performer. We handle the full HR lifecycle so you can focus on outcomes, not paperwork.

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Ready to recover what's yours?

Talk to our recovery specialists today — free first consultation, no obligation.

+91 98421 37278 Get Quote