+91 9487950790 contact@avlawassociates.com Kodambakkam, Chennai – 600024
Practice Areas

Finance, Consumer & Property Law

Protecting your financial interests, consumer rights, and property transactions with focused legal expertise before tribunals, commissions, and civil courts across Tamil Nadu.

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DRT & DRAT Law

The Debt Recovery Tribunal (DRT) and its Appellate Tribunal (DRAT) are specialised forums where banks, financial institutions, and borrowers resolve high-value loan recovery disputes. Our advocates appear regularly before these tribunals with deep knowledge of the RDDBFI Act and SARFAESI proceedings.

Whether you are a borrower seeking to challenge a securitisation notice or a bank pursuing recovery of dues, we provide strategic and effective representation at every stage.

Loan Recovery Applications

Filing and contesting Original Applications (OAs) by banks and financial institutions before the DRT for recovery of dues under the RDDBFI Act, 1993.

  • Original Application filing
  • Interim orders & attachment
  • Recovery Certificate execution

SARFAESI Act Defence

Representing borrowers challenging possession notices, auction sales, and securitisation actions under the SARFAESI Act, 2002.

  • Sec. 13(2) notice reply
  • Sec. 17 DRT applications
  • Stay of auction proceedings

DRAT Appeals

Filing and contesting appeals before the Debt Recovery Appellate Tribunal against DRT orders on both maintainability and merits.

  • Appeals against DRT orders
  • Pre-deposit waiver applications
  • Stay pending appeal

NPA & Guarantor Defence

Protecting NPA-classified borrowers and personal guarantors from coercive recovery measures, asset seizures, and credit rating damage.

  • NPA classification challenge
  • Guarantor liability defence
  • One-time settlement negotiations

IBC & Insolvency Matters

Representation in insolvency proceedings under the Insolvency and Bankruptcy Code before the NCLT, including operational and financial creditor petitions.

  • CIRP initiation & defence
  • Operational creditor petitions
  • Resolution plan objections

Writ Petitions & High Court

Challenging DRT/DRAT orders and bank actions through writ petitions under Article 226 before the Madras High Court.

  • Writ against DRT orders
  • Challenge to bank circulars
  • Wilful defaulter status challenge

Consumer Law

The Consumer Protection Act 2019 gives every citizen powerful remedies against deficient services and defective products. Our advocates have successfully secured compensation, replacements, and refunds across a wide range of consumer disputes.

Deficiency in Service

Complaints against service providers — builders, banks, insurance companies, hospitals, and telecom operators — for failure to deliver promised services.

  • Builder & developer complaints
  • Banking & insurance deficiency
  • Telecom & utility complaints

Defective Goods

Claims for replacement, refund, or compensation for defective products — from electronics and vehicles to pharmaceuticals and food items.

  • Product liability claims
  • Replacement & refund orders
  • Manufacturer & seller liability

Unfair Trade Practices

Challenging misleading advertisements, false promises, bait-and-switch tactics, and other deceptive commercial practices before Consumer Commissions.

  • Misleading advertisement complaints
  • False representation claims
  • Restrictive trade practice petitions

Vehicle & Insurance Disputes

Complaints against automobile dealers for manufacturing defects and insurance companies for wrongful claim rejection or underpayment.

  • Vehicle defect complaints
  • Insurance claim rejection disputes
  • Health insurance denials

Education & Online Services

Fee refund disputes with educational institutions and complaints against e-commerce platforms, online courses, and digital service providers.

  • College & coaching fee refunds
  • E-commerce delivery disputes
  • Online fraud complaints

State & National Commission

Appellate representation before the Tamil Nadu State Consumer Disputes Redressal Commission and the National Commission in Delhi.

  • Appeals from District Commission
  • Revision petitions
  • High-value original complaints

Legal Documentation

A well-drafted document prevents disputes before they arise. Our team brings meticulous attention to language, enforceability, and legal compliance across every type of legal document.

Sale & Purchase Deeds

Drafting and vetting of sale deeds, agreement to sell, conveyance deeds, and gift deeds with full stamp duty and registration compliance.

  • Sale deed drafting
  • Agreement to sell vetting
  • Gift deed preparation

Lease & Rental Agreements

Comprehensive drafting of residential and commercial lease deeds, rental agreements, and leave & licence agreements with all protective clauses.

  • Residential lease deeds
  • Commercial lease agreements
  • Leave & licence drafting

MOUs & Agreements

Memoranda of Understanding, joint venture agreements, partnership deeds, and shareholders agreements drafted for clarity and enforceability.

  • MOU & term sheets
  • JV & partnership deeds
  • Shareholders agreements

Power of Attorney

Drafting of general and specific Power of Attorney documents for property transactions, court appearances, and business management.

  • General Power of Attorney
  • Special/Specific POA
  • Revocation deeds

Affidavits & Declarations

Precise drafting of affidavits, statutory declarations, indemnity bonds, and undertakings for court, government, and private use.

  • Court affidavits
  • Name change declarations
  • Indemnity & surety bonds

Document Vetting & Due Diligence

Thorough review and legal opinion on property documents, business contracts, and institutional agreements before execution.

  • Title & document due diligence
  • Contract review & legal opinion
  • Risk identification & redrafting

Property Registration

Property registration in Tamil Nadu involves multiple legal, technical, and procedural steps. Our team provides end-to-end support — from title verification and document preparation to attending the Sub-Registrar office and handling post-registration compliance.

Title Verification

Thorough examination of title documents, parent deeds, and ownership history to confirm clear and marketable title before purchase.

  • 30-year title search
  • Chain of title verification
  • Legal opinion on title

Encumbrance Certificate

Obtaining and analysing Encumbrance Certificates (EC) from TNREGINET to identify existing charges, mortgages, or liens on property.

  • EC application & collection
  • EC analysis & report
  • Nil encumbrance confirmation

Stamp Duty & Registration

Accurate calculation of stamp duty and registration charges, document preparation, and attending Sub-Registrar office for smooth registration.

  • Stamp duty computation
  • Document preparation & filing
  • Sub-Registrar appearance

Property Mutation & Patta

Assistance in applying for mutation of records, patta transfer, and chitta corrections with the Revenue Department after registration.

  • Patta transfer applications
  • Revenue record mutation
  • Chitta & A-Register corrections

Registration Objection & Disputes

Resolving Sub-Registrar objections, challenging refusals of registration, and handling impersonation or forged document complaints.

  • SRO objection replies
  • Writ against refusal to register
  • Forgery & fraud complaints

CMDA & DTCP Approvals

Legal guidance on obtaining planning permissions, layout approvals, and building plan sanctions from CMDA and DTCP authorities.

  • Layout & plot approval
  • Building plan sanction
  • Deviation regularisation

Need Help with Finance, Consumer or Property Matters?

Our specialists are ready to assess your case. Contact us today for a confidential consultation.

The rules of the Bar Council of India prohibit law firms from soliciting work or advertising in any manner. AV Law Associates is constrained from providing any further information. This website is for informational purposes only and does not constitute legal advice. Please consult a qualified advocate before acting on any information herein.