Specialist Practice Areas —
Debt Recovery & Commercial Litigation
Unified Chambers and Associates is a single-specialty debt recovery and commercial litigation practice. Every instruction handled by Advocate Subodh Bajpai — Senior Partner, Delhi High Court — who brings over a decade of specialist DRT, SARFAESI, NI Act, and IBC experience to each matter.
We represent banks, NBFCs, and financial institutions in Original Application (O.A.) proceedings before all 39 Debt Recovery Tribunals across India. Our practice spans the complete DRT lifecycle — from O.A. drafting and Section 19(7) ex-parte interim attachment applications to Recovery Certificate execution and DRAT appeals.
Original Application filing and management
Section 19(7) ex-parte interim attachment
Contested hearings and cross-examination
Recovery Certificate execution
DRAT appeals and Section 20 deposit applications
DRT defence for borrowers and guarantors
We advise secured creditors on the complete SARFAESI enforcement cycle — from NPA classification strategy and Section 13(2) demand notice drafting through Section 13(4) possession, Section 14 CMM/DM applications, e-auction management, and post-sale confirmation. We also defend borrowers in Section 17 DRT challenge proceedings and DRAT appeals.
Section 13(2) demand notice (60-day)
Section 13(4) possession — symbolic and physical
Section 14 CMM/DM assistance applications
E-auction management and bid confirmation
Section 17 DRT challenge defence
DRAT appeals (Section 18)
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Cheque Bounce – NI Act Section 138
Negotiable Instruments Act, 1881 — Sections 138–148
View Practice →We handle Section 138 NI Act criminal complaints — demand notice drafting, complaint filing, Magistrate proceedings, Section 143A interim compensation applications, Section 141 company and director liability cases, Section 147 compounding, and appellate matters before Sessions Courts and High Courts.
Section 138 demand notice (statutory)
Complaint drafting and Magistrate filing
Section 143A interim compensation (20%)
Section 141 company and director liability
Summary trial management
High Court and Sessions Court appeals
We file and manage Section 7 (financial creditor) and Section 9 (operational creditor) CIRP petitions before the NCLT. We advise CoC members on resolution plan evaluation under the Essar Steel framework, represent creditors in liquidation proceedings, and handle personal guarantor insolvency applications under Section 95.
Section 7 CIRP petition (financial creditors)
Section 9 CIRP petition (operational creditors)
CoC representation and voting strategy
Resolution plan evaluation and approval
Liquidation proceedings — Section 53 waterfall
Section 95 personal guarantor insolvency
We advise banks, NBFCs, ARCs, and HFCs on integrated NPA recovery strategy — deploying SARFAESI, DRT, NI Act, and IBC proceedings simultaneously or in sequenced combination for maximum recovery velocity. Our six-track NPA recovery framework is calibrated to the specific security profile, debtor structure, and recovery objective of each account.
NPA strategy and forum selection
Multi-statute simultaneous proceedings
ARC transaction documentation
Security enforcement across all forums
OTS negotiation and settlement
Recovery performance monitoring
For creditors who are not banks or financial institutions, we pursue commercial debt recovery through Order XXXVII summary suits in High Courts, arbitration and award enforcement, civil suits, attachment before judgment, and injunctive relief. We also represent institutional clients in matters before the NCLT, High Courts, and the Supreme Court.
Order XXXVII summary suits
Arbitration and award enforcement
Injunction and attachment before judgment
Guarantor recovery proceedings
Cross-border debt recovery strategy
Supreme Court and High Court appearances
Single Practice. National Reach.
Advocate Subodh Bajpai · Unified Chambers and Associates · Delhi High Court · All 39 DRTs