My family took out a loan in 2001 for me, but I couldn’t find a stable job to pay it back. My mother, who was the guarantor, was making the payments. Sadly, she passed away a few months ago. Now the bank has frozen my father’s account. I don’t live with him. Is this legal? I’m still struggling to earn enough to repay the loan.

The bank’s action of freezing your father’s account is likely legal. Under Indian law, a guarantor is liable for the loan’s repayment if the borrower defaults. Your father, as a guarantor, is legally responsible for the loan, even though you are the original borrower. However, you can try to negotiate with the bank to work out a repayment plan that considers your current financial situation.