Struggling With Loans or Facing Legal Recovery Action by Banks?
Desiche Konseltants
are here to help you.
We specialize in:
- Loan Default Reconciliation
- Auto Loan Repossession Resolution
- Loan Rescheduling, Recovery Case Defense
- Credit Facilitation.
Whether you’re an individual or a business, we provide expert financial and legal consultation to help you regain control and move forward.
Who We Are
Welcome to Desiche Konseltants, your trusted name in financial consultancy and recovery.
We operate as a dedicated desk under Iris N Bravo Co., a registered partnership firm under the Partnership Act, 1932 (Reg. No. 5640/2023/24). We are also a proud member of the Lahore Chamber of Commerce & Industry (LCCI Membership No. 128095-A).
Our focus is on providing specialized mediation and third-party consulting to help resolve loan defaults with dignity and professionalism.
Backed by decades of financial expertise and a deep understanding of banking procedures, we aim to secure outcomes such as:
- Loan rescheduling
- Structured settlements
- Out-of-court agreements
Based in Lahore, Pakistan, we are committed to helping you move from financial distress to financial resolution — because at Desiche Konseltants, an honorable settlement is our mission.
What we do
Professional Recovery Services for Banks & Financial Institutions
At Desiche Konseltants, we provide specialized recovery and reconciliation services to banks and financial institutions across Pakistan. With decades of experience in handling non-performing assets and institutional recoveries, our team is well-equipped to manage complex portfolios with professionalism and integrity.
We offer customized solutions for institutions looking to outsource recovery processes, lower default rates, and improve asset quality. Whether dealing with large volumes of defaults or sensitive cases, our approach combines legal accuracy, ethical practices, and strategic mediation to deliver sustainable outcomes for both lenders and borrowers.
Loan Default Reconciliation
We focus on resolving complex loan default cases through expert reconciliation strategies. We help borrowers—whether individuals or businesses—identify key issues, communicate transparently with banks, and build structured settlement plans. Our goal is to restore financial stability while reducing legal and reputational risks. With strong expertise in banking procedures and negotiation, we work toward outcomes that benefit both lender and borrower.
Auto Loan Repossession Resolution
Struggling with missed car loan payments or facing vehicle repossession? Desiche Konseltants offers expert support to help you regain control. We work with banks and lenders to reinstate repossessed vehicles or negotiate manageable repayment plans. Our team handles each case with urgency, discretion, and care—ensuring you move forward legally and responsibly.
Recovery Case Defense & Negotiation
Facing legal recovery action from a bank? We provide expert defense and negotiation support to protect your interests. We work with legal and financial professionals to reduce liabilities, prevent aggressive recovery actions, and advocate for fair terms through reconciliation and loan rescheduling—whether in court or through out-of-court settlements. For individuals and businesses alike, we ensure your case is handled strategically, ethically, and in your favor.
Credit Facilitation & Bank Coordination
Need a new loan but unsure where to start? Desiche Konseltants simplifies the borrowing process for individuals and businesses. We help you choose the right financial institution, review your loan proposal, and ensure your documents meet all banking requirements. With strong industry connections and deep knowledge of lending procedures, we coordinate directly with banks to improve your approval chances and avoid delays. From consultation to disbursement, we guide you every step of the way for a smooth and successful experience.
Rescheduling of Loans
Our Loan Rescheduling service is designed to provide relief by:
- extending tenures
- adjusting installment amounts
- modifying interest terms in collaboration with your lender.
Desiche Konseltants assesses your current financial position and works out revised repayment terms that are both affordable and acceptable to the lending institution. Whether it’s personal, business, or asset-backed financing, we act as your financial advocate to negotiate terms that give you renewed control over your commitments.
About Our Founder
Meet Amir Malik – Founder & Principal Consultant, Desiche Konseltants
Amir Malik is a highly experienced financial expert with over 30 years in the banking and recovery sector. He pioneered the Recovery Division at the Bank of Punjab, later renamed the Special Asset Management (SAM) Division, and served as its first Divisional Head. His leadership continued as CEO of First Punjab Modaraba (FPM), where he achieved exceptional results in asset management and recovery.
Throughout his career, Amir recognized a recurring issue: many banks refuse to help deserving customers, even when circumstances justify support. Despite Islamic principles promoting leniency for defaulters, banks often pursue harsh legal actions, even when peaceful solutions are possible. This motivated Amir to create Desiche Konseltants, offering a compassionate, expert-driven approach to loan reconciliation, rescheduling, and recovery negotiation.
His mission is clear: to empower financially distressed individuals and businesses—those who are not willful defaulters but victims of circumstance—with access to fair solutions and financial relief, while helping banks accept these as legal, ethical, and economically sound outcomes.
Why Choose Us
30+ Years of Proven Expertise
With decades of experience in banking, recovery, and negotiation, we understand how to work with financial institutions — and get results.
Compassionate, Client-Centered Approach
We believe in second chances. Our solutions are tailored with empathy for those facing genuine financial hardship, not punishment.
Strong Institutional Relationships
Our history of leadership in the banking sector allows us to negotiate effectively and professionally on your behalf.
Customized Mediation & Restructuring Plans
Every case is unique. We develop personalized strategies that suit your circumstances — whether it's repossession, loan rescheduling, or settlement.
Confidential & Professional Handling
We ensure discretion, dignity, and clarity in every interaction. Your trust and privacy are our top priorities.
Deep Understanding of Banking Law & Policy
We know how banks operate — from internal approval chains to regulatory constraints — allowing us to build smarter, faster, and more acceptable proposals.
Get Your Appiontment Today
