I had taken a personal loan from a pvt bank 10 years back?

I have paid a considerable amount back , I got married 5 years back and since my husband has a transferable job I had to leave my job and so could not pay the balance loan amount,plus I husband is unaware of this loan. Now the recovery agents have got my mobile number and are asking me to pay , I am in no situation to repay the loan amount .what can I do in this situation ? I am desperate .