The Anxiety and Debt

I was 18 years old. When i took my first loan of Rs.500/-. It was an app based lending platform. Well known as mPokket.
When I turned 19 I took loan of Rs.10000/- from mPokket. Due to covid-19 pandemic, I was not in condition to repay that loan.
As that mobile app has access to my device and contact list. They goons of lender started calling my contacts, telling that I have taken a loan and defaulted.
This gave me too much stress and anxiety.