How to cite this journal: Author, Date of the post, WMO Conflict Insight, Title of the post, ISSN: 2628 6998, https://worldmediation.org/journal/ ABSTRACT * Drawing on fifteen years of practice as a mediator and arbitration counsel in banking and finance in India, the author examines debt as both a financial and a deeply human burden, describing its psychological and social consequences from stress and illness to family breakdown. The paper argues that indebted individuals are frequently misdirected into costly and slow litigation, and that the effective path leads instead from debt
counseling through negotiation to mediation. The author reviews the Indian institutional landscape, including the Financial Literacy and Credit…
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