Loan harassment can become emotionally exhausting when borrowers face repeated recovery calls, threats, or public pressure due to missed EMIs. Many people in India are unaware that borrowers also have legal rights and protection against unfair recovery practices. This guide explains how loan harassment happens, what actions are considered unacceptable, and the steps borrowers can take to protect themselves. Platforms like Zavo help borrowers explore structured debt support and settlement solutions to reduce financial stress and handle repayment issues in a calmer, more organised way.