Saya & Associates
Money, papered properly — and recovered when it isn't.
For lenders, borrowers and investors: facility and security documentation done precisely on the way in, and enforcement pursued methodically when a credit goes wrong.
Both sides of the balance sheet.
Lending documentation
Facility agreements, intercreditor and subordination terms, conditions precedent and the diligence behind them.
Security creation & perfection
Mortgages, hypothecation, pledges and guarantees — drafted, stamped, registered and perfected so they hold when tested.
Enforcement & SARFAESI
Enforcement of security interests, SARFAESI measures and the proceedings before Debts Recovery Tribunals that follow.
Recovery proceedings
Recovery suits, summary procedures, cheque-dishonour actions and execution — run with the discipline of a collections programme.
Insolvency-adjacent advice
Creditor-side positioning around IBC processes — demand notices, claim filing and committee dynamics — with specialised insolvency counsel engaged where a matter requires it.
Restructuring & settlements
Workouts, one-time settlements and restructured terms documented so the compromise itself does not become the next dispute.
The document you sign is the case you'll argue.
Finance work is unforgiving about formality: an unstamped document, an unregistered charge or a defective notice can cost more than the negotiation it concluded. The practice treats execution mechanics — stamping, registration, filings, notices — as part of the legal work, not an afterthought.
On the recovery side, every step is chosen against a simple test: does this move money closer, or just generate paper?
Security drafted from the first page to survive enforcement.
Paper
Terms negotiated and documented with enforcement in mind from the first draft.
Perfect
Stamping, registration and filings completed and evidenced — the unglamorous steps that decide cases.
Pursue
If the credit fails: notices, enforcement and proceedings sequenced for recovery, not ritual.