Money Lender Mentally Harras us

We had taken 1 lakh rupees from a widow in great need at 4% monthly interest. She lives in our neighborhood and lends money at interest; she is not a legal money lender. We have already given her more than 1 lakh rupees in interest, and we have also returned her 90,000 rupees of the principal amount. We have 10,000 rupees of her principal amount left, for which we are still paying her monthly interest of 400 rupees. However, during COVID, we could not pay her the interest for 6 months because we had no source of income at that time. Now, she feels that we have returned all her money and that only 10,000 rupees remain, so she is demanding 52,000 rupees as COVID interest, although the actual accrued interest should be 24,000 rupees. We are currently unable to pay even that amount. We told her that we will return the remaining 10,000 rupees of the principal amount but cannot pay the COVID interest. She is now humiliating us in front of our neighbors and threatening us over the phone, saying that if we don't return her money by tomorrow, she will see what she can do. She comes to our house, and we have call recordings of her. She speaks lies, mentally harasses us, and we are very distressed. What should we do?