Credit Card Default - how to buy time, stop relatives' harassment

Credit Cards in default - how to stop harassment and buy time for repayment. I have defaulted on credit card dues, all taken on personal basis of my job. Now lender collection agents are after my aged mother and a business owned by my wife. (this business put us in financial distress, but it needs more funds and time to turn around.) I need couple of things - 1. how buy time for couple more years ( we still need to invest in business.) 2. how to stop them from harassing my aged mother ( they are making visits and threat calls.) 3. how to stop them from harassing the business and employees, which may ruin my wife's business, as employees may leave, and I may not have any way of turning these losses around. In fact, I offered them to settle as well, but to take it off the CIBIL, they are asking for Rs.50,000 more. The history: I made purchases of around 1.5 lakhs on the credit card in 2011. I made payment of 1 lakh in 2014 Now they have offered 1 lakh more to settle, clean CIBIL. But when I am ready to pay they say I need to pay 0.5 lakh to clean CIBIL. I am abroad for 3+ years, and my wife and kids are with me abroad for 2+ years.