Pan India

Simplifying Bad Debt Recovery Using AI And ML

Bad debt collection services at ClearDu are provided on a guaranteed basis with optimal results. We specialize in both B2B and B2C debt collection and can guarantee recovery of credit worth millions. There are numerous ways to get your money back but we chose a scientific methodology to keep your years-long relations with your customers strong and sturdy as always. We study each debt type with critical expert analysis and track down customer behavior using modern digital tools of AI and ML.

Why prefer ClearDu?

Since inception, ClearDu has been providing services and solutions for bad debts to a varied range of businesses. Our omni-channel communication with debtors, alternate data sources, predictive analytics model and methodological approach to resolve bad debts make us the best debt recovery agency in India. The call center-driven model is backed up with strong ML and predictive analysis to ensure that efforts are channelised in the right direction and maximize the recoveries.

Research-oriented Approach

We thoroughly research and review the portfolio, understand borrower profile and then decide the direction of the step ahead rather than starting the process immediately.

Customized and debt-specific plan

We customize our action plan for each client and after developing a thorough understanding of the pool we define the process and follow it diligently for best results.

Incorporating the power of technology

We leverage on technology, alternate data sources and predictive analytics model to understand customer behavior and work strategically to achieve maximum RoR.

No bars of communication

We listen to the debtor and develop a strong communication channel with the debtor. No foul or unethical collection methods: ClearDu is the leading business debt collection agency for using ethical methods and strategies for recoveries.

Our Services


Safe, Secure, and Smart

With money in the corridor, security is a must.
We stand by all the industry standard compliance protocols, registrations, and legal procedures.


frequently ask question

What is the default?

Default is when a borrower fails to make timely payment of the due amount as per a predefined payment structure. For example, it could be either interest payment or interest and principal amount payment.

In simple words, default is when the borrowers fail to pay bills on time.

What happens when payment of debt is not paid within the stipulated timeline?

A lending institution initiates the debt collection process.

Moreover, when you don’t pay your debt on time, you might find yourself in a situation where you have to pay fines and interest. You might also have to pay additional fees for late payment or non-payment of debt.

What is debt collection?

Debt collection is the process of pursuing payments of debts owed by individuals or businesses. It involves the collection of overdue installments, due penalties, imperfect obligations, or any other charges.

What is a debt collection agency/debt recovery agency?

An organization specializing in debt collection is known as a debt collection agency or debt recovery agency. These agencies work as per the process guidelines defined by lending institutions.

How can a debt collection agency contact me?

Debt collection agencies can contact the borrower via different communication modes or make a physical visit as per the defined process by the lending institutions.

Do I have to pay a debt collector?

If you owe money to a Creditor, you are responsible for paying it. However, there are many negative consequences of not paying an overdue debt and going to collections.

However, it is essential to check the person’s identity and ensure that the lending institution authorizes the person to collect money from you.

What happens if I don’t pay my dues/loan amount?

When you fail to pay the borrowed amount as per the agreed payment schedule, the payment default is reported to credit bureaus periodically. Therefore, this default or delayed payment reflects in your credit report.

Every lender institution follows guidelines given/set by regulators. Accordingly, your account is being reported to credit bureaus. There are various stages of default. Therefore financial institutions take action.

What is a Credit Report?

A credit report is a history of your credit behavior and contains detailed information on your loan and credit. Credit Reports are obtained from Credit Bureaus.

How do credit bureaus get my information?

Credit bureaus get information from your creditors, such as banks, NBFCs, credit card issuers, auto finance, or housing finance companies.

How does default on a card/loan affect my credit score?

Any default in credit card or loan payments will negatively reflect your credit score. The longer your dues remain unpaid and the greater the frequency of unpaid bills, the harsher the impact on your credit score.

However, if your payment is regular and if your credit score is good, it will be considered a healthy credit report