Lent ₹15L to a friend, now being ghosted — need legal advice (Mumbai)

[User_058a0798]

U

User_058a0798
PARTICIPANT
May 3, 2026 at 5:07 am

Hi everyone,
Looking for some legal advice and, if possible, a Mumbai-based lawyer who is reasonably priced (please DM if you have recommendations).

**Background:**
I lent ₹15 lakhs to a friend and her husband for their business. We had a proper loan agreement in place — fixed interest rate, 5-year tenure, with EMIs starting from Nov 2025.
They paid 5 EMIs, with the last payment in March 2026.
To be fair, they *did* make the initial payments, so I don’t believe there was any malicious intent at the start. But now they’ve stopped paying entirely.
I tried being flexible — even asked for partial payments — but they’ve now completely ghosted me.

**Documentation I have:**
Signed loan agreement
Blank cheques
Their payslips
WhatsApp chats as records

**Additional details:**
They got married in Feb this year
Wife is currently staying with in-laws in Varanasi
Husband works in Jaipur
Loan agreement was signed in Mumbai
I’m also based in Mumbai

I’ve tried to be patient and supportive, but this is exactly the situation I was worried about.

Now I want to pursue this legally and would really appreciate guidance on:
What legal options I have
The best way to initiate action

If I’ve missed any important detail, happy to clarify in comments or DMs.

Thanks in advance

Edit – ~~Cancelled~~ **Blank Cheques**

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