If you have taken loan then you must repay it, this is your moral and legal responsibility.
As you said you dnt have money to settle your loan then ask them to come legally, that will give you more time to arrange money.
In case recovery people are harassing you and your family then file police complain.
Bank have all right to recover their money but they can’t use illegal means to recover their loan.
Deepak Joshi & Associates
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