Bhatt and Joshi Associates appears before DRT and DRAT in bank recovery, SARFAESI and NPA-related disputes. The firm represents both lenders and borrowers, giving it a balanced understanding of strategies on each side. Its team works on possession challenges, settlement structures and enforcement of security interests. Bhatt and Joshi Associates focuses on time-bound, commercially sensible outcomes in financial litigation.
We uphold the highest ethical standards in every case we handle
We understand the personal nature of legal matters and treat each client with care
Our commitment to superior legal representation drives everything we do
Your needs and goals are at the center of our legal strategy
Proven track record of successful case outcomes
Board-certified attorneys with specialized knowledge
24/7 emergency consultation and support
Millions recovered for our clients
+91 98243 23743
aaditya@bhattandjoshiassociates.com
No. 311, Grace Business Park B/h. Kargil Petrol Pump, Epic Hospital Road, Sangeet Cross Road, behind Kargil Petrol Pump, Sola, Sagar, Ahmedabad, Gujarat 380060
A DRT Lawyer represents borrowers, guarantors, and banks before the Debt Recovery Tribunal (DRT) and DRAT in matters involving loan defaults, recovery proceedings, SARFAESI notices, possession challenges, and settlement negotiations.
DRT handles cases related to bank loan recovery, enforcement of security interest, SARFAESI proceedings, mortgage disputes, guarantor liability, and challenges to bank actions under Sections 13(2) and 13(4) of the SARFAESI Act.
A SARFAESI notice under Section 13(2) is issued by banks demanding repayment. The borrower must respond with objections. If possession is threatened under Section 13(4), the borrower may approach DRT to challenge the bank’s action.
Yes. A borrower can file a SARFAESI appeal before the DRT challenging illegal possession attempts, valuation issues, procedural lapses, or violation of RBI guidelines. Interim stay orders may also be sought.
Essential documents include loan agreements, sanction letters, account statements, possession notices, security documents, correspondence with the bank, valuation reports, and any evidence supporting the borrower’s defence.
DRT matters are meant to be fast-tracked, usually decided within 3–6 months, but actual timelines may vary depending on case complexity, objections, and tribunal workload.
Yes. Orders of the DRT can be appealed before the Debt Recovery Appellate Tribunal (DRAT). In some cases, further appeals or writ petitions may lie before the High Court.