Everything you need to know about M Express, our collection process, and how we work with clients.
A direct collection agency is hired by creditors (banks, businesses, individuals) to recover outstanding dues from debtors. Unlike in-house recovery teams, we bring specialised expertise, trained manpower, and legal capabilities to recover debts efficiently.
M Express was founded in 2023 by Seetu Sahani in Uttam Nagar, New Delhi. Despite being a relatively new company, our team has combined industry experience of over a decade in debt recovery, legal enforcement, and field operations.
Yes, absolutely. All our operations strictly follow RBI’s Fair Practices Code for recovery agents. Our agents are trained and certified. We maintain call recordings and case logs for full compliance audits upon request.
Our primary coverage area is Delhi NCR — including all Delhi districts, NOIDA, Greater Noida, Gurgaon, Faridabad, and Ghaziabad. We also handle legal cases and remote advisory nationally.
Contact us via call, WhatsApp, or the enquiry form. We’ll schedule a free consultation, assess your portfolio, and share a custom proposal. Once the agreement is signed and debtor data shared, we begin within 24–48 hours.
We need: debtor name and contact details, outstanding amount, loan/invoice details, any previous communication records, and security/collateral information if available. The more complete the data, the faster we can begin.
Clients receive weekly written reports on all accounts and can request a case status update at any time. For larger portfolios, we provide dedicated account manager access and real-time dashboards.
We typically work on a combination of a small retainer and a performance-based commission on amounts recovered. The commission rate depends on debt age, type, and portfolio size. All fees are agreed in writing before work begins — no hidden charges.
Our overall recovery rate is approximately 96% of accounts that reach a payment agreement. Fresh debts (< 90 days overdue) have significantly higher recovery rates than written-off accounts. We assess each portfolio realistically before committing.
We negotiate realistic payment plans or one-time settlements where appropriate. Our goal is recovery for the client — sometimes partial recovery is better than prolonged legal proceedings. We advise on the best approach for each case.
All agents undergo background verification, RBI compliance training, and regular audits. We maintain call recordings for all phone interactions. Clients can request compliance reports. Any agent violation results in immediate disciplinary action.
Yes. Our in-house legal team handles SARFAESI proceedings, Section 13(2) responses, DRT filings, and certificate executions across Delhi. We work alongside your existing bank counsel or independently as required.
Call us or send an enquiry — we respond within 24 hours.
