Our knowledge & experience Gets Results!

Having someone fight for your rights takes the weight off your shoulders. Armed with our knowledge of laws around debt, we fight to get you a better deal.

Debt Support


Experts In Debt Negotiation

Debt Negotiation Specialist Team

✓ Struggling to keep on top of your debts?

✓ Do you keep receiving harassing debt collection calls from creditors?

✓ Are you struggling to make your income stretch to pay your debts?

✓ Are your money worries keeping you up at night?

✓ Do you want to find a way out but just can't see how?

✓ AGU Banque specialise in debt negotiation

✓ We can help you to find a way out when you feel trapped by your creditors

AGU Banque Aren’t Intimidated by Creditors

debt Settlement

We negotiate with your creditors on your behalf to get you the best possible reduction in your total outstanding debt amount.

Personal Loan Settlement

Your outstanding personal loan can be reduced to help ease your financial burden.

Credit Card Settlement

Your huge credit card bill carries even bigger charges. Agu Banque can help you reduce these by negotiating with your creditors on your behalf.

debt Reduction

Typically, a client would save up to 50%* on their enrolled debt. Even with the Program Costs, you save significantly on your total debt and free debt free assessment.

Pre-Litigation Support

Get help and advice on legal actions and notices sent to you by creditors with the help of Agu Banque legal team. Our legal experts will advise you on the best course of action.


How debt negotiation services work

Agu Banque service analyses your debt & determines your eligibility for a debt negotiation service.

We understand the financial burden you are facing and customize your program per your budget and financial targets.

You sign up for the debt Negotiation service customized to your affordability and the financial analysis of your debt.

We understand your debt load is much larger than what you can afford. As you build up your savings, Agu Banque starts negotiating with your creditors to get you a significant reduction on your total outstanding debt.

You save in a Special Purpose Account at your own pace. When you save any amount over your monthly saving obligation, you fast-track your journey to a debt-free future.

You follow your Debt Negotiation services by making sure you save every month and free debt assessment from debts.


What Are Debt Negotiators?

AGU Banque Understands the Legislation

Once we have a solid understanding of your debt situation, it’s time to call in our specialist debt negotiators. Our expert team understand the legislation surrounding credit and debt in India, especially with regards to debt negotiation. We know your rights. In addition to this, our team is experienced with debt negotiating with a wide range of credit providers.

The debt negotiators at AGU Banque have built strong relationships over the years. So, by using our legal knowledge combined with established relationships with these credit providers, we are able to effectively negotiate on behalf of our clients. Therefore, creating a greater understanding of their situation to creditors.

Avoid Common Miscommunications with Creditors

Frequently, there is miscommunication surrounding debt conflicts. This can mean people who are unable to pay back their debts may feel intimidated by their creditors. This may lead to anger towards credit providers or even complete avoidance.

Credit providers may not believe a client if they cannot make payments. The creditor may feel that the borrower is inventing excuses. This misunderstanding can lead to defaults, high tension and even bankruptcy.

Debt Negotiation Can Reduce Your Overall Monthly Repayments

In many cases AGU Banque can help to reduce monthly payments for up to six months while you get back in control. The important thing to remember here is that every situation is different and therefore, the needs of our clients will be different. For this reason, we tailor our service to ensure the best result for the client is met.

At AGU Banque, we know how to communicate your situation to your creditors and know the Indian legislation that protects your rights. Through effective debt negotiation, we can create real results that can help you get back in control of your debts.

AGU Banque Debt Negotiation Process

Complete Budget Planner

Our Team will help you establish what you can afford to pay your creditors based on your current circumstances

We Negotiate On Your Behalf

The AGU Banque debt negotiation team will contact your creditors and negotiate on the balance, interest and repayments on your behalf.

We Manage Your Payments

AGU Banque will manage all the payments to your creditors to ensure payments are on time, every time so you don’t need to worry.


Agu Banque Frequently Asked Questions

Agu Banque has specialists who can contact your creditors on your behalf to try to get a better deal for you. We can negotiate your interest rate, repayment amount or even reduce your overall debt. We can help you set up an debt arrangement with your creditors, at a rate you can afford, giving you room to breathe again.

Are you struggling or unable to make loan repayments each week? Are you regularly receiving harassing debt collection calls? Are you drowning in debt that you cannot pay?

This is the point at which you should consider debt negotiation. There is a good chance that your debt can be negotiated into a more manageable plan, either by reducing the debt, temporarily freezing the debt or changing the repayment terms to better suit you. This will help us to understand your financial situation clearly so we can proceed with a clear picture and have a greater chance of successful negotiation. Agu Banque are experts when it comes to debt negotiation. With years of experience and having helped India just like yourself, we can negotiate with creditors on your behalf so you and take back financial control.

Agu Banque was founded by financial specialists who understand the complexities of debt management. We are here to offer debt relief strategies and financial assistance. Our experts can help you to regain control of your budget and as a result, achieve your financial goals, short and long term. Our products and services are geared towards looking for the best workable solution to your debt problems.

Our aim is to help you to get out of debt, and if possible, avoid it altogether! We offer financial assistance and a wide range of services. Consequently, we are well suited to help with almost any debt issue. Remember, many people struggle with debt and there are always solutions. Our financial support team can guide you through to becoming debt-free.

First and foremost, we are here for you. Our aim is to care for you and support you in any way that we can. Offering debt relief, Agu Banque is able to provide unique budgeting plans and tailored assistance to suit each individual.

If we can help you to keep on track with your money, while meeting your financial goals and reducing stress, then we know we have done a good job. Life is short and there are a lot of things to worry about, but we believe that money doesn’t need to be one of them. This is why we are here, to provide you with a pathway to avoid worrying about your finances again.

As well as helping with budgets and offering general financial assistance, we provide a wide range of services to suit you. Our Debt Consolidation, Negotiation services each help you to manage debt in different ways.

On top of this, our business and personal loans can provide you with the financial injection that you need.

Most people find themselves tied up in debt at some point in their life. The important thing is doing something about it. Whether it be simple budgeting or financial planning that you need, or more, we are here to help. If you need your money managing, then we can act as the wall between yourself and your creditors.
We can consolidate your debts into one so you no longer owe multiple debts at random times of each month. You then pay us one single amount and we deal with the creditors.
This way, you can be sure that your bills will be paid on time and you can organise your money more easily with just one payment. In addition, what’s best of all about our service is that in some cases, we can even negotiate your debt so that you end up paying less than previously!

Debt Negotiation program is a great choice for people with high levels of unsecured debt and if they are in a financial hardship due to a job loss, pay cuts, medical emergencies, etc. If you are behind on your credit card or loan payments and are struggling with your personal finances while the balance on your loans/credit cards keep growing, then our program could be right for you.

Yes, 100%. Debt settlement is absolutely legal. Currently in India, there are no consumer-friendly debt relief options for people struggling with debt. Agu Banque was founded to solve this massive problem. Our mission is to provide debt relief solutions and services and financial literacy to debt burdened customers to enable them to reduce and eliminate debt, build wealth and achieve financial freedom. Moreover, we charge our service fee for the Debt Negotiation Program only when we settle your debt, you don’t pay if we don’t settle, it is as simple as that!

No. Agu Banque or for that matter anyone, cannot guarantee a certain percentage on your settlements. Every creditor and account are unique, and we cannot predict as to how the negotiations will pan out. Furthermore, the success of our negotiations is highly dependent on you keeping your end of the bargain as well, by making regular monthly payments into your Special Purpose Account. This is a teamwork and we need your full cooperation to achieve the best results for you.

You only pay Agu Banque when the settlement for an account is completed. If Agu Banque cannot settle a creditor’s account for you, you will not be charged for it.

Yes, the Debt Negotiation Program will negatively impact your credit in the short term, but your credit score starts to improve once you have completed the program and are debt-free. If you are already behind on your payments, chances are that your credit score and rating has already taken a hit and the negative effects of our program on your score may not be as substantial. Besides, very few people with debt troubles have a healthy credit score. We often ask our customers if getting out of debt is more important to them compared to a short-term negative impact on their credit, in almost all the cases, we hear that being debt-free is more important. The good news though, is that credit scores tend to improve quickly once the Debt Negotiation Program has been completed. By engaging in good credit behavior, anyone’s credit score can recover over time. Moreover, as you set out on your path to rebuild your credit-worthiness, you would rather like to see “Settled” against your accounts, rather than a “Willful Default”.


Contact Us


No 82 Anna Valagham F3 First Floor Arcot Road Kodambakkam Chennai 24

Call Us

+91 91762 77666
+91 72999 86688

Open Hours

Monday - Friday
9:00AM - 05:00PM