Hello, Michael.
First you need to understand:
- from whom and on what conditions did you borrow money?
- who came to you - a creditor or a third party?
- Are your fears abstract or do you know the people who came to you and you heard about the "methods" of their work?
What can be done in such a situation?
You need to contact the creditor and to begin to explain the reasons for the termination of debt repayment.
The money taken must be given. Therefore, before communicating with a creditor, you need to understand from what sources you will pay off the debt. After that, in a conversation with the creditor, you need to convince him that you do not intend to hide, and begin to pay off the debt as much as possible, telling about the planned amounts and terms of payments.
If the creditor transferred your debt to other persons - you need to look at the documents - on what grounds; make sure that the lender knows that these persons demand your debt.
Hiding is not an option, because You can spoil your reputation for life, and as a result, there will be problems with employment. Employers do not need people with a bad credit history, because she talks about human insecurity. Neither collectors nor lenders have a goal to harm your health, their interest is in returning money, therefore, if you, instead of hiding, start negotiations with them, it is unlikely that someone will beat you.
Moreover, if you start to hide, you may be accused of fraud, for example, that you took the money without the purpose of returning in full.