Your work is done.
Your money is still missing.

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.

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.

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.

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.

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.

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.

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

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.

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. 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