i used credit card in dubai, i came back to india, i cannot pay money, now one of agency in india bikish asking pay money, they have right to ask pay money, now i dont have money. and they calling my wife mobile and harssing, i fearing, how to handled them
If you have used a credit card and availed the benefits, it becomes your duty to repay the same.
You cannot escape the liability by fleeing that country.
If the authorities at Dubai decide to report the matter to the Indian police or any other law enforcing authority in India, your position will be in trouble.
The police or any other authority may initiate legal action which may not only embarrass you but also would ensure punitive action as per criminal law though it may take time for the credit card agency to recover their dues.
Thus, owing to the inordinate time delay in recovering the dues, the Foreign agencies appoint their collection agents in India for recovering their due amount and this is not only in India, but they appoint such agents across many countries to recover their dues from defaulters according to their own strategies or local laws.
No doubt the agents in India cannot take law into their hands for the purpose of recovery of money in any manner as per their desire.
The agents here in India cannot trouble or harass your relatives for the recovery of your dues to the company.
If your wife is being harassed by such agents she can lodge a criminal complaint against those hooligans in the guise of collection/recovery agents.