Advocio uses AI to settle your debts for less, block harassment calls legally, and fight recovery agents with RBI, FDCPA, and FCA law — automatically, 24/7.
The Problem
They know most people don't know their rights. Advocio changes that — permanently.
Recovery agents call outside permitted hours — illegal under RBI guidelines, FDCPA (US), and FCA (UK). Most people don't know they can stop it immediately.
"We'll send police." "Your family will be responsible." All lies. All illegal. All documented and reported by Advocio automatically.
Contacting relatives or employers without consent is a criminal offence under Indian law, FDCPA, and FCA. Advocio detects this and files the complaint.
Most debts can be settled for 30–70% of the original amount. Without AI on your side, you pay full — and often more with illegal charges.
After settlement, your CIBIL/credit score stays damaged for years unless you actively rebuild it. Advocio gives you the exact steps.
A debt resolution lawyer charges ₹5,000–₹25,000+ for one letter. Advocio writes the same letter, citing the same laws, in 3 minutes.
How Advocio Works
Five steps. Zero lawyers needed. Completely automated by AI.
Enter creditor name, amount, and months missed. Advocio instantly calculates your debt health score and optimal settlement target.
Advocio drafts a "Without Prejudice" settlement offer citing exact RBI, FCA, or FDCPA regulations — sent to the right department.
Forward your number to Advocio's AI agent. Recovery agents hear a recorded legal cease & desist message, recorded as evidence.
Any law violation triggers an automatic complaint to RBI Ombudsman, CFPB, FCA, or Consumer Court. Deadlines tracked relentlessly.
Once settled, Advocio guides your credit score recovery — disputing entries and monitoring your CIBIL/Experian monthly.
Features
Forward your calls to Advocio's AI agent. Every recovery agent hears a professional legal cease & desist message in English and Hindi. Their response is recorded, transcribed, and analyzed for violations automatically.
Before every negotiation call, Claude AI analyses your debt profile and generates a personalised strategy — exact settlement % to offer, tone, and objections to expect.
A single 0–100 score showing your current debt situation. Updated after every action. Color-coded — track your progress month by month.
Detects RBI Fair Practices, TRAI DND, Consumer Protection Act, and IPC violations. Generates ready-to-submit complaint letters automatically.
When a settlement is agreed, a payment link arrives on WhatsApp within 60 seconds — 3x higher conversion than next-day follow-up.
Advocio drafts complete formal complaints pre-filled with your evidence. Click submit — it goes to the right regulator automatically.
Call Shield Live
The moment a recovery agent calls your protected number, Advocio's AI agent takes over. They cannot reach you. They cannot threaten you. They can only listen.
Legal Coverage
Advocio's AI is trained on the specific regulations that protect you — and cites them in every letter, call, and complaint.
Simple Pricing
No hidden fees. Cancel anytime. Zero plan means ₹0 forever — you only pay a small % when Advocio actually saves you money.
All prices shown in INR. US pricing from $14.99/mo · UK pricing from £9.99/mo · Success fee capped at ₹25,000 / $300 / £250 per debt.
Global Coverage
500M+ credit users. ₹15 Lakh Crore in NPAs. 50M+ stressed borrowers. Advocio's primary market, with Hindi + English Call Shield.
$1.7T in consumer debt. 77M Americans with collections entries. FDCPA-compliant letters and CFPB complaint automation.
£1.8T in consumer debt. FCA-regulated debt collection. FOS complaints and FCA-compliant settlement letters.
🚀 Coming soon: Canada · Australia · South Africa · UAE
The Advocio Promise
Common Questions
Advocio gives you the law, the AI, and the backbone to fight back. Start free — no credit card needed.
iOS coming soon · advocio.com · hello@advocio.app