If a recovery agent harasses you through threats, abusive language, or intimidation, you should document the incidents, report them to the lender, and file a complaint with the appropriate banking regulator or consumer protection authority.

No. Banks are generally required to contact borrowers only during reasonable hours and in a professional manner. 

You have the right to be treated with dignity and respect. Recovery agents cannot use threats, public humiliation, or abusive language. 

No. Loan recovery agents are not allowed to threaten, intimidate, or use force against borrowers. Such actions are illegal and can be reported to the police, regulatory authorities, and the lending institution for investigation.