Resolution Center™ · Powered by Resolution Assistant™
Resolution Center™.
AI-guided financial resolution. Resolution Assistant™ analyzes lender communications, simulates outcomes, and recommends next steps — all explained in plain English. Trovavo provides AI guidance only; we never negotiate on your behalf or act as a human advisor.
What's inside
Resolution Assistant™ capabilities.
01 · Survival
Protect your floor
Rent & utilities
Ring-fenced before any EMI is paid.
Food & transport
Daily living costs locked into the monthly floor.
Insurance premiums
Health and term cover stay current — never lapse.
Dependents
Children's fees and parental care budgeted first.
02 · Kill order
App loans die first
BNPL & app loans
Highest-rate predatory debt is paused before anything secured.
Credit card revolve
Move to EMI conversion or balance-transfer to break the 36% trap.
Personal loans
Restructure window opened with the lender, not the recovery agent.
Secured loans last
Home and auto loans only touched once unsecured is contained.
03 · Asset lifeline
What you can tap
PPF · partial withdrawal
After year 7, rules-aware partial draw without closing the account.
NPS · Tier I & II
Tier II free; Tier I partial only for permitted reasons.
EPF advance
Medical, housing, COVID — eligible heads only.
FD & MF loan
Loan-against-asset before breaking the corpus.
04 · Bank scripts
Letters that cite RBI
Settlement request
Cites Fair Practices Code; locks the lender to a written number.
Restructure request
Uses RBI/2021-22/125 framework for stressed individuals.
Harassment cease
RBI recovery agent code — stops 7am–7pm violations cold.
CIBIL dispute
Pre-drafted dispute citing the Credit Information Companies Act.
Tools
Resolution Simulator™ and Progress Tracker™.
Toolkit
Communication library
Settlement
One-time payoff at a reduced balance — preserves cash, dents CIBIL.
Restructure
Stretched tenure with revised EMI; CIBIL stays largely intact.
Moratorium
Temporary pause — interest accrues; use only for cashflow shocks.
Toolkit
Settlement vs Restructure
Money cost
Total ₹ outflow over the life of each option, side by side.
Time cost
Months to close — and months until you can borrow again.
CIBIL cost
Estimated score impact and the time-to-recover band.
Toolkit
EMI calendar
6-month horizon
Every EMI from your Resolution Hub mapped to expected take-home.
Cashflow gaps
Red months flagged before they become missed payments.
Lifeline triggers
Auto-suggests which asset to tap if a gap is unavoidable.
Toolkit
Debt Escape Protocol
Full plan
12-month sequenced exit — which loan, which month, which letter.
Lender packets
Pre-assembled documents per bank, ready to send.
Weekly review
Lifeline agent re-scores the plan as your cashflow changes.
Portfolio preview
The map you'll build.
RBI playbook
Circulars we cite back at lenders.
RBI/2023-24/90
Fair Practices Code
All-in rate at sanction
Lender must disclose APR including processing and insurance.
Grievance window
30-day SLA, escalation to RBI Ombudsman after.
RBI/2021-22/125
Stress restructuring
Eligibility
Individual borrowers under COVID/income-shock stress.
Tenure relief
Up to 24-month extension with revised EMI.
DLG · 2022
Digital Lending guidelines
No hidden charges
All charges in the Key Fact Statement at signup.
Cooling-off
Borrower right to exit within the cooling-off period.
Recovery code
Agent conduct
7am–7pm only
Calls outside these hours are a code violation.
No third-party contact
Employer or family contact is grounds for complaint.