Legal Assistance Required for Recovery of ₹4 Lakhs

Question

Legal Assistance Required for Recovery of ₹4 Lakhs

04-Jan-2026 (In Criminal Law)

I invested ₹4 lakhs in a business based on assurances from a person I met via social media. I have bank proofs, chats, and audio recordings where he acknowledged the amount and promised repayment. He issued a ₹4L cheque in July 2025, which bounced. After repeated assurances till Nov 2025, he has now disappeared, switched off his phone, and blocked me. Police said it’s a civil matter. I need urgent advice on the fastest legal action and an experienced advocate in Mumbai, Andheri. WhatsApp me

Answers (4)

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Advocate Pankaj Bajaj LawRato · Accepted Answer · 2026-01-05T00:07:52+05:30

Answer #1

This is not just civil. Immediately issue Sec 138 NI Act notice for cheque bounce. File cheating & breach of trust complaint (IPC 420/406 or BNS). If police refuse, approach Magistrate u/s 156(3) CrPC.

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Advocate Moksh Jain LawRato · Accepted Answer · 2026-01-05T17:13:37+05:30

Answer #2

for this you need to file an application with the magistrate for directing the police to register FIR under section 175 subsection 3 of Bhartiya nyaya Suraksha sanhita, and if you want you can file a civil suit for recovery of your money but that will also come with court fees of 1.5% appropriately applied on the claim amount, you can seek help of msme or companies act of the udhyam or company is involved

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Advocate Pankaj Bajaj LawRato · Accepted Answer · 2026-01-11T00:52:14+05:30

Answer #3

Issue legal notice and file S.138 NI Act case for cheque bounce (fast remedy). Also file FIR for cheating u/s 318 BNS with bank/chats/audio proof; if police refuse, approach Magistrate u/s 175(3) BNSS.

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Advocate Tanay Mandot LawRato · Accepted Answer · 2026-01-16T19:49:43+05:30

Answer #4

I am a practicing advocate based in Mumbai with 7 years of experience. I have handled such type of cases a lot. First we need to issue a Legal Notice. Thereafter, We need to file summary suit for recovery of 4 lakhs. If you stay in Andheri, then we need to file summary suit in Dindoshi Court. Side by side, we can also file a criminal complaint with police station for cheating. Connect with me incase of more details and assistance.

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