Hi I have taken a loan and 3 credit cards amounting to 90000 AED (15 lakh rupees).I was paying the installments regularly. But 2 months back I got terminated from my job and I came back to India. Since then I have defaulted 2 payments. At the time of taking loan I had provided my Indian address (Kerala)and landline number. I am not living at that address. Presently I live in Mumbai but my mother lives all alone at the Kerala address. From past few days she is getting calls from recovery agents inquiring about my whereabouts and harassing her. I am still looking for a job and hence not in position to pay the loan.

I have read in many forums and I am aware that legally they cannot do anything but Will threaten with calls and unnecessary visits.

I need guidance in this matter. How I can avoid this harassment. Can they trace My new address?

Will they keep on harassing my mother? I need to know how to handle these debt collectors.Please reply as I am very tensed and don’t know what to do