Ihe first thing to :WHO GAVE BANK/FINANCIAL: institution the power/authority to employ agent (GOONDAS) for recovery.Law has its course in such cases to assess and take action in appropriation to the case.Not all the defauklters are at fault neither all Banks are at fault in asking for recovery but there must be hnourable way to act.Most of the time the clients hardly understood the small lines in the condition of loan and suffer from those points.The loan process must be simple words so that a common person understand the risk he/she is taking.Big borrowers in hundred and thousand of crores carry on with the default under the cover of legal words or in conivence with the Bankers.It is the middle path people who suffer.First make things simplefied and then go through the legal path.NO GOONDAS