You no need scared of loan shark. Just let our SPF handle them.
You only need to scare of the legal money lender.
They really will send debt collector to your working place and Police can't do anything about it.
The government need to relook at this debt collection industry.
If a loanee don't have money, coming down to collect is also useless. It's basically a harassment.
Declaring bankrupt is the only way but of course the License Money lender will be the last in queue.