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The retrieval of unpaid loans constitutes an important operational task for financial organizations as well as business enterprises. The recovery process needs to follow legal procedures and ethical standards for maintaining fairness together with transparency. Debt recovery processes get their essential function from Debt Recovery Tribunals (DRTs) and Debt Recovery Appellate Tribunal (DRAT) alongside entities focused on non-performing assets (NPAs). The document describes the entire legal structure along with procedural elements as well as ethical points which apply to debt recovery operations.
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