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Loan settlement is the discretion of the respective lenders, and only they are authorized to issue settlement letters. Our role is limited to providing legal and procedural support, and we do not have the authority to issue settlement letters. Loan settlement should be considered only in cases of genuine financial hardship where repayment of EMIs is not feasible. Clients are strongly encouraged to explore all possible options to meet their repayment obligations to lenders before opting for loan settlement.