Banking Lawyer in Lucknow | Nirmal Legal Associates

Nirmal Legal Associates assists clients in Lucknow with banking-related disputes, including cheque bounce cases under Section 138 of the Negotiable Instruments Act, loan recovery matters, and disputes arising from NPA (non-performing asset) classification.

We represent both complainants and respondents in cheque bounce proceedings, and can advise on options before the Debt Recovery Tribunal (DRT) where a recovery dispute has escalated.

Get in touch

📍 30/26 Block 30, Sector N, Basant Kunj, Green Curidor, IIM Road, Lucknow

📞 +91-8840575540 ✉️ nirmaljustice@gmail.com

Frequently Asked Questions

What happens if a cheque bounces?

The payee can send a legal notice and, if unresolved, file a complaint under Section 138 of the Negotiable Instruments Act within the prescribed timeline.

How do I respond to a Section 138 notice?

You should respond promptly — either by settling the amount or preparing your defence. We review the notice and advise on next steps.

What is NPA and how does it affect me?

NPA (non-performing asset) status is triggered when loan repayments are overdue beyond a set period, and can lead to recovery action by the bank. We advise on your options if you've received such a notice.