Am not in a position to pay personal loan EMI

Dear Sir/Madam, I have been laid off by my company in May 2016, since then I am either in bad luck or whatever you have to say. I have not been able to get a job at all...I have tried all kinds of things including trying to setup my own business, but in vain, I am right now jobless for more than a year, after working for 10 years its like a stand still. Anyways that's way too personal, the reason I am writing this is I had taken a personal loan from HDFC bank for 1.8 lakhs, Outstanding loan amount is 1,10,000/-. HDFC Credit Card Outstanding amount of Rs.28,000/-. After my job lay off, I was in no position, family deserted me, etc..I did not contact the bank or pay any EMI's.... I got a call from a Legal person a few weeks back asking me to pay the same at any cost. I have no job for the past more than 11 Months, no person or family supporting me. How will I ever repay the amounts, I agree after getting a job I will surely repay the amounts one by one. Can you suggest me what to do ?. I need at least 2 years time to repay. In short I am in no position to pay any amount what so ever, U cant imagine how I am surviving. I dont have any assets also...I have heard that there is a way to stop the loan and repay once I get a job. Do let me know those details.