HDFC Bank — consumer loan

Address:	P 34, Shah House, India Exchange Place, Dalhousie, Kolkata, West Bengal, 700001
Website:	Www.hdfcbank.com

Hi,

I took a consumer loan from hdfc bank in august of 2018 for buying an iphone. I had an outstanding credit score of 800+ that time hence got the loan easily. But on diwali on 2018 i was in a severe road accident that resulted in my loss of job and high medical expenses. This resulted in me defaulting on many of my loans and credits (Hdfc one of them). I paid as much as i could from my savings when recovery or collection agents came to my place till january or february of 2019 or so.
But amounting bills and expense prohibited me from making those payment. My cibil score took a drastic hit and i was trying hard to find a job and make ends meet.
Today (Sept 27 2019) a recovery agent by the name of farhat representing the bank called up my father who is 73 years old and threatened him with goons. Then she spoke to my wife and insulted her badly calling her names as i was unavailable.
My wife gave me her number and i called up the lady. She was extremely rude. Threatened me with police lock up and sending boys to my home for recovery. I informed her she is crossing a line and can not threaten me so. But my words fell on deaf ears. She then proceeded to make fun of my father's religious practices and insulted my wife. When i informed her the call is getting recorded and asked her to repeat she did not do so.
The number she called from [protected].

Please help from this tough situation. I can not say of i will be able to pay off the bank. I am willing to comply with indian laws and will abide with court decisions if bank prosecutes me.