Expert HR and Business Management Assistance for Urgent Query

Hi, my name is Smitha, and I am 23 years old.

I was working for a Direct Mailing and Marketing firm for the last 3 years. I had taken a loan of around Rs. 65,000 from the company last year when my CTC was Rs. 6,000. Due to a recession, there was no increment last year. In the current financial year, there was a hike, and my salary increased to Rs. 9,000. Over the last 8 months, I have repaid Rs. 20,000 to the company. However, my boss started expressing his feelings towards me, which made me upset and unable to work with him. I decided to leave the job, but before doing so, I had to sign a contract agreeing to pay the remaining amount within the next 6 months from Jan 11. I worked there until Nov 30 and then joined a new company on Dec 1 with an offer of Rs. 14,000.

Now, I am receiving messages and calls from my previous boss, which is upsetting and angering me. I have warned him not to contact me further. He later called me and demanded that I repay the pending amount of Rs. 45,000 within the next 2 days, threatening to stay in touch if I don't comply. Unfortunately, I am unable to repay him at this stage, and he is aware of my situation. I have a signed agreement with the boss stating that I will pay back the amount in 6 months.

I am seeking advice on how to handle this situation.

Regards,
Smitha

I cannot seek help from my family as I married against my parents' wishes. I am from a South Indian village, and my husband is from Maharashtra. We have been in a relationship for 2 and a half years. My husband drinks and harasses me daily. I had to undergo an abortion at 5 months as the child died due to my husband's harassment. I have been separated from him for the last 11 months. I have consulted a lawyer to file a case, and we were supposed to proceed last week as mutually agreed. Both of us used to work for the same firm, and the boss of the previous company had assisted us in the process. He is now aware of the situation. He is 61 years old and has a daughter older than me.

Dear All,

Thank you for the suggestions. I have now emailed him a scanned copy of the agreement signed by both of us when I left the organization, agreeing to repay the debt in 6 months. I have also inquired at various places for a loan.

Hope this works out.

Regards,
Smitha

Hello,

This is a really difficult and unfortunate situation. Anyway, I appreciate your decision to change jobs. I think you do not have any problem; he is just exploiting your weaknesses. Show him your true strength and tell him that you will only pay in six months, as you both agreed. Please consult with your family, lodge a complaint of harassment, and keep a record of all text messages. Before taking any steps, warn him and ensure your family is aware and supportive. If you have taken a loan for the family, they will be able to assist you and help you overcome this situation.

I hope the above suggestions will be of help.

Regards,
Sharad

I can't take my family's help because I married against my parents' wishes. I am a South Indian from a village in Mangalore, and my husband is Maharashtrian. My husband used to drink and harass me daily, and I had to undergo an abortion when I was 5 months pregnant because the child had died inside my stomach due to my husband's harassment. I have recently consulted a lawyer to file a case, and we were supposed to file it last week as mutually agreed. At this stage, the boss of my previous company has helped us with the procedure. Now I am all alone, and the boss of the previous company is aware of all this. He is 61 years old, and he has a daughter who is older than me.

You don't need to worry. He is a 61-year-old man, he's just attracted to you. I think you just need to warn him first, then you can take any legal action too.

Hi,

Please provide your email ID so we can suggest something good for you. This situation you are in is rather unfortunate.

Do not panic. Go to the police station, meet the SHO, and describe your concerns. Also, lodge a complaint against your boss and be assertive. Do not panic. Hopefully, you will encounter a kind officer who will assist you in resolving your issue.

Dear Smitha,

Do not worry. No one can exploit you and your situation.

I presume your boss must be the owner of the company. I have always highlighted the fact that some unscrupulous individuals register a company and label themselves as corporate honchos. The person is a wolf in sheep's clothing.

Let him do whatever he can; by legal means; or seek to pay the outstanding in monthly installments. If anything, you can always go to the Police and the Law. Meanwhile, make your own arrangements for refunding the amount.

Now that you have another better-paying job, you can approach banks for personal loans and repay the amount.

The important thing is not to feel helpless and become a victim. Be strong; this is not such a great calamity that you cannot overcome. Look at how you have faced life bravely so far, ON YOUR OWN TERMS. This may be the last hurdle towards leading an independent, empowered life.

I am sure all members will support you and come up with better suggestions and ways to overcome this temporary problem.

Warm regards.

Hi, Smitha.

Be bold and cool! As suggested by friends, 1) repay the loan by borrowing from the bank 2). Change your contact number once repaid.

Regards,
Chandru

Dear Smitha,

No matter how trapped you feel, you are not in a static state. If this problem had started, it would end as well. Please focus on solution.

Firstly speak to a lawyer, someone whom you can trust and not just anyone who is professionally sound. The lawyer can show you the way-out, as your ex-boss is merely creating a pressure situation.

I understand you may not be in situation of arranging the amount, but do keep that in mind as the top priority. Arrange it as small payment from your friends and family and build on that total amount. Pay him as early as possible. With the salary you are drawing, it’s easy for you to get a fast loan from any bank, if you can look for it. Such fast loans are often offered by credit cards, which are processed really fast. The rate of interest may go up to 17-18%, but do not bother about that, in this situation. Just pay him back. Once you are out of it, you can always develop your finances.

Finally stay firm. I do see it in your post, you have already taken the right step of changing your job. Do not show any fear or retaliation on any of his threats. Stay firm with the legal and official proceeding. Please document every message and mail he sends. Save all the communication with him for any future reference.

Wish you all the best!

Regards,
(Cite Contribution)

Dear Smitha,

Don't worry.

1. File a police complaint for mental torture.
2. If any loan was taken from the company, the same should have been recovered before you left the company. Nothing legally can be done there.
3. Contact the boss's daughter if necessary; tell her the father's intention.
4. Your husband is a loser; dump him and get married to someone else.

Regards,
Viraj

Lawyer consulting and doing all this, I think that matter dragging unnecessary issues on this situation because you took a loan and left the job. You contact a lawyer; he may also contact the lawyer and lodge a complaint against you because he has proof of the loan taken. He may also complain about loan repayment, asking for repayment. She is complaining about all these fake complaints against me.

He may say for all this, you have to go around the police station and lawyer, wasting your time and his time. You are saying you have newly joined a job presently. Does anything at the present company know about your loan and these issues? Here and in the future, they may not believe anyone for further help in the future for a loan or anything. The only solution is to take a personal loan from a bank or a loan from your friends or relatives and pay using a crossed paycheck for proof purposes if he raises any issues.

Or take someone you trust and go to your previous office directly to settle the matter. I will pay using post-dated checks in installments to settle the payments.

Next, you are thinking from only your side. On the other side, what problem he has, I don't know. He is also responsible for issuing the loan and collecting the repayment. One more thing, once a person leaves the company after taking a loan, it is impossible to collect it because most people never return to see the previous company nowadays.

Dear Smitha,

All I would say is it's too much to handle for your age. But most of the men in this world will behave in this manner. Some personal issues need not be disclosed with all your organizations. They will take undue advantage of your situation and pretend to show sympathy. I suggest not disclosing your issues to all the organizations wherever you work. You can take a loan from the bank and throw it in his face right away. If he still harasses you, it's better to file a police complaint. Be strong.

Regards,
Subha

Hi Smita,

First of all, be brave. Don't give up. If your previous boss harasses you, threaten him that you will inform all his family members that he is sexually harassing you. Also, threaten him that you will report him to the police and TV channels. Just because he has given you a loan does not mean that you are his slave for the rest of your life. In case he touches you at any time, give him a kick and a punch in his nose, and start shouting out loud. Don't be afraid, don't give up, and don't buckle down. You can repay the loan slowly.

Hello Smitha,

First and foremost, do you have a copy of the contract you signed to return the money in 6 months?

Next, please don't delete any of the SMSs you get from your ex-boss regarding the subject – like (Cite Contribution) suggested. You might need them in a worst-case scenario.

And as Chandru mentioned, please plan to change your mobile number after the crisis has passed.

Raj Kumar and others have shown a way regarding the 'HOW' to pay back – take a loan from a bank or close friends and close the chapter. Since you have a good-paying job, repaying shouldn't be a problem.

However, if you are in a situation where you can't ask anyone near you (I have faced similar situations myself), I am sure your friends in CiteHR will help you tide over the 'temporary problem' – like Raj Kumar termed it. Please email your bank account details to me at: taj@sphinxresources.com. I can spare around $2,000-$3,000 from my end. But please don't post your bank details here – being a public forum, there's no guarantee that unscrupulous elements won't take advantage – I presume you understand what I mean.

Even though all those who responded to your posting have suggested you meet a lawyer and police, frankly, I don't think this will help you in the long run – unless you want to be vindictive and have a lot of cash to spare. I know their typical responses.

I suggest you contact the nearest National Commission for Women office and explain your case. They usually have a better track record than the police.

Nothing happens without a reason, Smitha – it's just that we get so focused on the problem rather than look at the larger picture on 'why' something's happening while we are passing through that phase. Take your own case of having the abortion. I am sure you would have felt distressed and depressed while you were passing through that phase. But look back at it now – hadn't the abortion happened, your stress levels would have been worse now – with a kid to look after, that too without any family support. Added to it, when you file for divorce now, the child's custody could be another point you need to factor in. HE knows what's good for us – as long as we allow HIM to operate and guide our life.

ALL THE BEST.

Regards,

TS

Dear Smita,

Police complaint and lawyer – you can always take when the situation gets out of hand. Fortunately, the man is above 60 years old and has a family (as told by you) to worry about. If you are strong, he cannot exceed beyond a limit.

Now, if you have agreed to repay the loan in 6 months, send him 6 post-dated cheques and keep a copy with you. If he calls you, tell him to go to hell.

Do not worry. As one lady suggested here, do not discuss your personal life and worries with anybody. Be brave, do not be girlish... Live your life like a tomboy.

My best wishes with you... take care...

Hi Smitha,

You are really brave. Hats off to you. I know you can handle the problem very easily. Ask your boss not to call him for any reason and about payment, just send him the soft copy scanned of the letter on which you have signed so that he will remember that you still have that copy. Also in the same mail, please mention clearly that if he harasses her, she will file a complaint against him in All India Democratic Women's Association (AIDWA). This association will help you. Please inform for your further action. Be brave... You are an inspiration for others. Keep it on.

In the name of ALMIGHTY, ALLAH

Sister,

It's really a tense situation, I accept, but one thing is sure: it won't be like this always - "THIS TOO SHALL PASS." In nature, every season has a specific time, color, smell, and it will pass to the next season. However, some seasons will take more time than usual, like the rainy season or summer season. Time may be over, but its impact still exists. It will pass away too, sister. Be optimistic. Almighty is not there to punish you. When no creation from man to lawyer, police to doctor, snake to whale - only the Creator is there, so be optimistic.

Please note:
1) Do not repeat the mistake by taking fast loans - loans are a big trap.
2) Approach a lady advocate who may belong to the human rights commission.
3) Please inform your brother or father if they can understand you (BLOOD RELATIONS matter, sister).

Dear 1615,

Kindly send a detailed letter reminding them that you and the company had mutually agreed to pay off the money in the next six months (attach the xerox copy of the agreement with the letter).

Also, please send an assertive and stern message that personal advances will not be accepted. Furthermore, if any kind of harassment continues, you will be forced to take legal action for sexual harassment and extortion of money through illegal deceitful means.

When sending the letter, ensure that it is sent through registered post only. Keep all the SMS and other communications made to you by your boss in safe custody to be used as proof in later stages if required. Also, keep a copy of any and all communication you have with your company and your boss.

Clearly mention in the letter that the company will be severally and personally held liable along with the boss if the sexual harassment does not stop.

Additionally, speak to your service provider and request them to block calls from the numbers your boss uses.

Kindly keep your parents and/or husband (if married) informed about the incident.

Take extra precaution not to send any wrong signals indicating that you are interested in the advances made by your boss. Keep your communication clear and concise.

Regards,
Octavius

Hi Smitha i appreciate you, See for everything there is a solution, don’t lose yourself you are the master of your life, be bold enough, make him to understand that you are not at all a girl belongs to that category. don’t think that I cont pay him.
As you said you have to pay within 6 months, within that time pls ask close your friends, relatives, they may help you out. Or else any way your pay has raised now; do save by reducing unnecessary spending for short time.and settle his loan.
Regards
Kusuma

Smitha,

Your support from family being the least, and you having a long way to go in life, it's your boldness that's going to fetch a solution. It's better to lodge a complaint, but these complaints and other processes will add a headache and take this case to some levels. You are now in a company earning better. As many in this forum have advised - take a loan, repay installments, and stay once and for all away from your ex-boss. You should have some trusted friends locally; get their support. Your confidence pays off. Good luck.

Hi Smitha,

Be brave and lodge a complaint against that, and don't hesitate to complain in the previous organization as well.

HI Smitha,
Be brave and lodge a complaint against that, and don’t hesitate to complain in the previous organization as well as .

Hi Smitha!

I have understood your personal problem. Just for your help, my email IDs are ajadhav@embio.co.in and a_aniljadhav@rediffmail.com. My contact numbers are 9420649119 and 9273814690. Please call me on my mobile after 6:30 pm.

Thank you.

Hi Smitha,

Go to the Women's Cell and complain about your previous boss. Also, tell them how he harassed you. Being a lady, you should fight for your rights.

Mahesh4uever, already you face problems when you marry your love. So, this is not a big issue. A simple agenda: tell your boss.

ip

Hi Smitha,

Do not worry. Face the situation boldly as other members of citehr have already given suggestions. Since you have got a job now with a better salary, consider taking a personal loan from the bank to repay your boss. Change your contact details so that he will not be able to reach you in the future. Provide your new contact number. I will talk to you and try to help you as much as possible.

Regards,
Smita

Hi Smitha,

Your ex-boss is behaving irrationally. Please settle your debts with him promptly to cut off contact.

Regards,
Khadir

Hello,

First, keep all the records ready, i.e., SMS messages sent by your ex-boss. Lodge a complaint. Usually, the police, before registering the case, try to advise the defaulter. If the issue is not resolved within the police's limits, then they will accept the case. You should never go to a lawyer yourself; it is not your concern. If your boss goes to court, let him go. Keep the complaint and other documents ready for the legal battle. Hopefully, your ex-boss will be penalized for his mischievous behavior. Now, based on your salary, take a loan and repay his loan. It's better to keep away from such people.

Amar

Hi,

It is very unfortunate and unethical to demand this of you. In my opinion, do not worry about his reminder; instead, be strict in your decision to repay within the scheduled time given to him. If any problems arise from his side, tell him to inform the mediacentre and the local police station for your safety and security.

Hope you are not worrying because he is just harassing you, taking advantage of your weakness.

Regards,
Basanta

Dear Smitha,

First of all, be cool and do not worry. You have plenty of solutions to your problem. It is very simple: take a loan from the bank, from your friends, from your parents, siblings, etc. If not, nowadays, you can keep GOLD as a pledge with companies like MUTHOOT, HDFC, MANNAPURAM, etc., and get an instant loan within five minutes from these companies. If that's not an option, you can also consider taking a loan from your current company by explaining the situation to your immediate boss. Rs. 45000 is not a large amount, considering you were previously earning Rs. 14000 per month, an increase from Rs. 9000. Stay firm, do not worry, and be happy. You have the solution within you. Analyze yourself, and you will find the solution.

Thank you,
Sushil Kumar

Dear Smitha,

Since you have signed the contract to make payment within 6 months, you need not worry about your boss's threats. Plan to pay within that period. Please remember to pay only by cheque so that you will have proof. Also, send the cheque with a covering letter stating the amount being paid towards the loan taken, and the remaining amount due.

Please note that he can't do anything to you legally or otherwise as long as you can pay within the stipulated time. No need to unnecessarily take a loan at a higher rate of interest if you can manage within your present salary.

Regards,
Virchand Vira

Hi Smitha,

Don't lose your confidence. You are facing a very tough situation now, but the situation won't remain the same as it is now.

Dear Smitha,

I think (Cite Contribution)'s suggestion is the best one for you. However, if you really want to put that ex-boss of yours to task, then just keep on paying the amount as per the bond/agreement and file an FIR against your boss, stating that he is trying to exploit the situation even though you are paying off the loan as committed. Take the proofs with you of the installments that you have paid regularly even after quitting the job, and now he is harassing you mentally.

The situation will turn the other way around, and he will end up paying you instead of you paying him. These individuals need to be taught a lesson for this.

Thanks,
Rishi

Dear Smitha,

Do not worry about that; it's a part of life. You should take it very easy; do not panic. If possible, you should take a loan from your bank, but you have to manage a guarantor for the loan.

Dear Smitha,

I really commend you for your patience towards your husband even though he is harassing you. But in this modern world, sincerity does not help us. You should teach your husband a good lesson because who knows, in the future, he may cause you harm. So, don't sympathize with your husband. Be careful around him. If there are any mistakes in this message, I am extremely sorry.

Take care.

Best regards,
Krishna

Dear Friend,

First, you should approach any of the women's welfare associations nearby and become a member. Seek their support to combat these issues. Merely lodging complaints at the police station is insufficient to address the situation individually.

Regards,
Krishnamurthe

Hi Smitha,

Firstly, I tip my hat off to you for fighting bravely in such a challenging situation despite being a woman. Great efforts.

Let me bring a few things to your attention:

1. You have agreed to repay the loan within a 6-month period, and I trust there is no clause stipulating that you must remain employed with the same company during the loan repayment.

Benefit of this contract: No Indian law can compel you to repay the loan within just two days. Stay strong and send a legal notice to your former boss, highlighting this aspect.

2. You are not obligated to work for the same company under any valid contract; you have the freedom to change jobs at any time. Therefore, feel free to email him stating that you are not concerned about his actions. You are well-versed in the applicable laws and will pursue the matter in court, mentioning that you have already sent a legal notice (This will instill fear in your former boss and demonstrate your strength).

3. Regarding your husband, you can file a FIR for sexual harassment, and he will likely be apprehended within a few days. Stay calm and resolute.

If you require further advice on how to strengthen your position, do not hesitate to contact me via the same platform by sending a direct mail through Cite HR.

Stay positive and courageous. We stand by you.

Take care and keep smiling.

Hey, such people and situations always come in life. I appreciate your stand. Just show your previous boss that you are not weak. Always keep in mind that nobody in the office is your friend, and do not place your faith in anybody. Just concentrate on your work, and you will overcome your problems very soon.

Hi Smitha,

Be cool, dear. Don't worry. I believe that until a woman doesn't give a chance to harass herself, no one has the guts to harass her. The first thing to do is try to keep your personal problems away from your professional life always and don't share them unnecessarily with anyone. Try to stay away from corrupt-minded people who are trying to take advantage of you or who are being overly sweet to you. Don't try to find anyone's shoulder because you are not a weak person; always keep in your mind that you are strong and capable of facing the world. Your plus point is that you don't have a kid, you are alone, so no responsibilities. And try to stay connected with your parents and family. Keep in mind that all the problems are created by yourself, so don't expect anyone to help you. You should help yourself first.

Now, the solution is to change your cell number and address if possible. File a FIR against your boss if he is frequently trying to take advantage of your situation. It will help you in the future. Keep all the proofs saved.

You are very capable of taking care of yourself. Reduce unnecessary expenses as I believe a person can survive on around 5K in a month, not more than that. For example, we are three members in my house (2 kids studying in 7th & 5th in CBSE board), and I am the sole earner in my home. Still, my monthly household expenses are 5-6k, the rest I am saving. It's up to you how you manage your expenses; I have given you a real example so you can have an idea. Try to stay in a hostel or with your family. If you try hard, you can really save approximately 10K in a month and repay your loan to your ex-boss as soon as possible. If needed, take a personal loan or ask your current organization for the same, but repay it within the time frame. Regarding your husband, get a divorce as soon as possible. If your parents are thinking about your marriage again, then have an arranged marriage as per their wish. Don't repeat the same mistake; if you do, they may not forgive you. Always respect them, and then you will see things getting better.

After you repay the loan, take care of your parents too. Don't just be a daughter; be a son for them, and one day they will feel proud of you. Always stay positive; it really works.

ALL IS WELL...

Best Regards,

Bharti

Dear Smitha,

First, lodge a complaint and narrate the full story to the police. Don't repay the loan before filing the complaint. He is at fault. He doesn't have any right to make you surrender to his wishes just because you owe him some money. If you assist the policemen, there is a possibility that you may not have to repay the loan, or if you do, it will be on your own terms and conditions.

However, for all this, you need to be smart and firm.

Regards,
GBVarik

You have mentioned that there is a contract between you and the boss that you will pay the amount in 6 months from Jan '11. You may have a copy of the contract. It must have also been mentioned in your relieving letter, OR they would have issued you a No Dues Certificate. Either way, even a relieving letter is evidence enough that there are no dues pending unless it is mentioned as a conditional relieving letter. Your boss is trying to unnecessarily harass you. Lodge a police complaint immediately by stating all the facts. Please be sure to draft your complaint and submit it at the local police station, getting due acknowledgement on your application. May God bless you.

Hi Samitha,

You are in a lot of trouble it seems, but don't lose your strength. First of all, I think you should change your mobile number, and if possible, change your house too if it is on rent. Then you will see half of the problems will be removed automatically. One more thing, before changing your number, confront your previous boss strongly so that he can't dare to blackmail someone else like you. Give him a piece of your mind over the phone. Stand up to these guys, say something; otherwise, they will think that you are helpless. Use it to your advantage.

It's your personal matter, and maybe I should not give advice to you, but try to find a good friend who can understand you and to whom you can relate. Make good friends in your life after assessing them properly so that they can help you in tough times. You are alone and need support. If possible, visit your parents, apologize, and follow their advice regarding your second marriage or anything else. If something I've said upsets you, I must say sorry. I can understand your feelings because I am also a girl. Take care, dear; everything will be okay.

Hi,

Please ask your ex-boss to contact me directly and inform him that you have engaged me as your advocate. If this arrangement is not acceptable to you, kindly scan and email all your documents, messages, etc., and I will proceed to send him a formal legal notice. I am relying on your statements in this forum as an accurate account of the situation.

CK Safaya
Advocate and HR Consultant

Dear Smitha,

In the absence of the contract, it has to be assumed that what you have stated is true. My suggestions are as follows:

- Don't panic, stay calm.
- Explain the circumstances to your current employer.
- Consider lodging a police complaint or approaching the Human Rights Commission or Women's Commission.
- The worst that can happen is that the boss may file a case against you for the recovery of the amount, which will take time.
- Seek assistance from NGOs.

There are various methods to handle this situation, so consider these options.

Dr. Nagaraj

Smitha,

Your decision of changing your job is well appreciated. You can always sue that gentleman, and the law supports you. However, before going to such an extent, talk to him through your lawyer for settlement of your dues. Even if you've made up your mind to go ahead with legal proceedings, definitely he would come for an out-of-court settlement.

Lastly, try to get in touch with your family, appraise them about the situation, and do not ask for any favors but appraise them about the happenings and your stance. This will definitely help you in the long run.

Regards,
masbee

Dear bharti_pr,

I welcome you to CiteHR.com! I appreciate your post; instead of mere words, you have demonstrated an example - that of your own.

Dear safayaifci,

I appreciate your initiative and willingness to help the needy and deserving.

Warm regards.

Thank you, Safaya,

Truly appreciate your initiative! This should give Smitha the strength that she needs and resolve this problem for her. Thank you for your words and your effort.

Regards, (Cite Contribution)

Hi Smitha,

I hope you are fine. Please let me know what the status is. Is everything alright? One suggestion for you: please contact a news reporter; they might be able to help you.

Regards,
Sapna

Hi,

Let us know your current status. I appreciate Bharti and Safaya. May Allah guide all of us in the straight path, Ameen. A humble request to you - take some time in the evening and present the matter before the Creator, because the Creator is the only solution; we are all mere creations of Him.

What steps have you taken until now?

Regards, HALAL JOBS

Dear Smitha,

Please follow as Rajkumar Sir and (Cite Contribution) Madam say; you will really come out of this problem. Be positive and happy because success comes after every frustration. Don't lose your patience. Go ahead. We are all with you.

Dear Smita,

I think you have posted this a few months before, and there were suggestions put forth by many of the members. Yet, you find yourself in the same situation. You must have taken some action at that point in time. Nevertheless, I continue to pray for your well-being.

Take care.

Regards,

Dear Ms. Smita,

The members of this community are sufficient enough to deal with your boss on your behalf. Your ex-boss is an example of demotivating talented employees as they only know "how to misuse your weakness."

Let me know how much you have to pay your boss. We will try our best to support you. It's all about MONEY. I want to see the reaction of your ex-boss once you repay your LOAN.

I don't even have words to describe the nature (behavior) of your ex-boss. I don't even think your ex-boss has a brain in his head and a heart in his chest. Individuals like me know very well how to deal with such a boss, as I believe in the ALMIGHTY beyond my limits, who created me.

With profound regards

Smitha,
I read your concern and believe me their is nothing to get worry...
Respect to your Loan:
According to Law: No Banks, Companies or Finance have rights to compel to pay due amount to the Brower and specially specified if its a women.
So take your time and pay as you like, If something’s goes wrong then you approach to legal adviser..
Respect to your Husband:
I suggest you to visit Mahila Mandel and raise your complain their rather then going to Civil Court even GOVT of India has given first priority to Mahila Mandel.
Respect to your Boss: ????????????????
He threaten you a lot, now the time to revert him - Drop a Threatening mail to him by saying, if he scream you again then you will approach to media.
If again he does then kindly approach media rather then approaching any civil court...
Don't worry we are with you, to safe you from any suitation...
No only by suggestion, we will come in person if needed....

Now Smitha, please give us the feedback on the latest status. I really thank Mr. Safaya for the legal help he is offering. I think you should accept his help because it is the best assistance that can come across to you from this forum. I offer one more help to you and request others to follow. You give me the mobile numbers of your ex-boss, and I will directly talk to him to put sense and shame in him. If all the members of this forum, on a basis of one or two members, talk to him daily, I think the situation will immediately change for good. We expect feedback from you.