People come here during some of the most stressful times of their lives. These guidelines exist to protect them. They apply to every question, reply and profile.
Be kind
- No judgment, shaming or lectures about how someone got into debt.
- No insults, threats, harassment or hate of any kind.
- Disagree with ideas, not people.
Protect privacy — yours and others’
- Never post account numbers, loan IDs, PAN/Aadhaar numbers, phone numbers, addresses or photos of documents.
- Don’t name or post details about other private individuals, including recovery agents’ personal numbers.
- You can name banks and lenders when describing what happened — keep it factual.
- Never try to find out who an anonymous member is.
No selling, no soliciting
- Recovery agents, lenders, loan brokers and “quick loan” services are not allowed to post, offer loans or contact members.
- No advertising, referral links or promotion of products or services.
- Never ask another member for money, documents or to move a conversation to WhatsApp or phone.
Share responsibly
- Share what worked for you, but be clear about what’s your own experience and what’s general fact.
- Don’t encourage anything illegal, like hiding assets or ignoring court orders.
- Answers from SingleDebt advisors are marked with a tick. They are general guidance, not personal legal advice.
If you need urgent help
If you’re being threatened, contact the police. For recovery-agent harassment, you can complain to your bank and then the RBI Ombudsman. If you are feeling overwhelmed or having thoughts of harming yourself, please reach out to someone now — in India you can call Tele-MANAS on 14416 (free, 24/7).
Reporting and moderation
- Every question and reply has a Report button. Reports are private.
- Moderators review every report. When three different members report a post, it’s hidden automatically until a moderator checks it.
- We may edit posts to remove personal details, or remove posts that break these guidelines.
- Repeated or serious breaches lead to a warning, suspension or permanent ban. Spam and solicitation accounts are banned straight away.
Questions about moderation? Contact us at [moderation email].