Hi Ashutosh, My sympathies are with you and your family.
I have also faced harassment through Recovery Agents when I was unemployed for a brief period of 6 months after my MBA.
But I studied the loopholes of system and gave befitting reply to these Credit Card Companies. I have not paid 7.5 lacs outstanding aginst my various cards and still these guys can not CHASE me.
Be wise and use loopholes of CC Application Process.
