# About
Name: Credfix
Description: When debt feels overwhelming, we help you understand what comes next. Get practical guidance on missed EMIs, recovery calls, legal notices, settlement options, and your rights - explained simply, so you can make informed decisions.
URL: https://www.credfix.app/blog

# Navigation Menu

# Blog Posts
Each link below is the raw markdown version of a post. The full content of every post is also available in a single file: https://www.credfix.app/blog/llms-full.txt

- [Should You Sell Gold or Take a Gold Loan to Clear Debt?](https://www.credfix.app/blog/should-you-sell-gold-or-take-a-gold-loan-to-clear-debt.md): Thinking of selling gold to clear your loan or credit card debt? Find out when selling makes sense and when a gold loan may be the smarter choice.
- [RBI's New Loan Recovery Rules: What They Really Mean For You](https://www.credfix.app/blog/rbi-new-loan-recovery-rules.md): Getting recovery calls at odd hours or worried about your phone getting locked? RBI's new 2027 rules protect you. Read what's changing and how Credfix can help.
- [How to Maintain a Good Score While Repaying Loans?](https://www.credfix.app/blog/how-to-maintain-a-good-credit-score-while-repaying-loans.md): Learn how EMIs, credit utilisation, and loan closures affect your CIBIL score and the simple habits that keep it strong while you repay.
- [Debt Consolidation vs Restructuring vs Settlement: Which Option Is Best?](https://www.credfix.app/blog/debt-consolidation-vs-loan-structuring-vs-loan-settlement.md): Not sure whether debt consolidation, loan restructuring or settlement is right for you? Compare how each works, who it’s for, and the risks before you decide.
- [What Is Section 25 of the Payment and Settlement Systems Act?](https://www.credfix.app/blog/section-25-of-the-payment-and-settlement-systems-act.md): EMI bounced? Could Section 25 of the PSS Act apply to you? Know the rules, notice requirements, penalties and what to do next.
- [Is Loan Settlement Legal in India? What Banks Don't Tell You.](https://www.credfix.app/blog/is-loan-settlement-legal-in-india.md): Is loan settlement legal in India? Yes, but banks rarely explain the CIBIL hit, tax bill, or guarantor risk. Full breakdown, backed by RBI rules.