Recieved legal notices from 3 banks sbi, hdfc and idfc. what should i do?

I had maxed out credit cards issued by SBI (Rs.90,000), HDFC (Rs. 70,000) and CRED APP Loan Partnership with IDFC (Rs. 1,35,000) and lost all of it in the crypto currency investments in 2021. Banks were calling repeatedly every day and I was not attending their calls. SBI Credit Card (Limit & used: 90k inr), (total dues with interest: 1.3 lakh) SBI has Initiated Arbitration and a Advocate with [deleted] mail id sent a mail with proceedings. I had attended the webx meeting on the mentioned date and time and he did not. I replied to the same email about this and he tried to send another mail without scheduling first. Another email with cancelled webx meeting. Also, I was receiving this sms that my email id is not verified with the bank very frequently. Collection agency guys tried to visit home address and not successful. HDFC Credit Card (Limit & used: 70k inr, total dues with interest: around 90k inr) These guys gave this to collection agency in hyd, though my cc was from a branch in Bangalore. Tried to pursuade me with home visit, without even trying it, not successful. IDFC (CRED app loan) limit : (1.5 lakh, used 1.45, paid 10k. Dues 1.35 lakh) : These guys are better than others. They are also scheduled to send a legal notice soon. I want to default on all of these cards. Currently working 9-5 with a 10k/month job. (Lost previous one) Can pay around 5k total every month. What should I do.. please suggest. Thanks, Ramesh