If you wanted to avoid harassment, you have to necessarily disclose your pending IP enclosing such copy and should ask them not to harass you further, as the outstanding were intimated to court. This should be preferred as a legal notice. If they further harass you, you can file a police complaint. Everyone has a duty and obligation and appreciate the fact while making comments on such recovery employees.
When you have taken a decision to spend without limitation and beyond your earnings, members can not suggest you at this point on such remedies. Men should face consequences due to their actions.