Declaring IP - Insolvency etc

I am an Female individual works on commission basis holding a GST registered Proprietor firm. Basing on my past 3 years turnover i have got some card and loans and current debts as below. Credit card (4 banks) approx 3.0 Lacs due since last 6 months above. (Not paid single rupee) Car Loan of 7 lacs and still 6 lacs is due. (Paying without bounce) home loan of 13 lacs and still 12.5 lacs is due (Paying without bounce) One Bajaj Personal Loan (Paying without bounce) One IDFC Personal Loan (Paying without bounce) since i have taken some credits and invested in some business opportunities and lost and paid huge interest to the financiers and now i am completely zero. I am unable to pay any of the above and facing struggles a lot. shortly i cannot even pay carloan, home loan and personal loan also. i could not file my last year IT return, I could not file my GST returns. my bank account is running in Minus balance. Except the House (home loan) we don't have any other assets My husband and myself use to work on comision business and all the debts are on my name only. My husband has not involved in the above debts, nor we are mow having any income source. so i need to know whether i can declare IP or Insolvency etc for the credit cards, car loan, Personal Loan (except Home loan). if so what would be the procedure, time line, expenses, and consequences.