How to Legally Protect Myself from NBFC Recovery Actions for Unsecured Loans, ECS Dishonor,

"I am facing a serious financial issue and need legal advice. Here are the details of my situation: 1. I have taken multiple unsecured loans from NBFCs and banks, totaling ₹16 lakh. 2. One of the NBFCs gave me a pre-approved loan without any income proof, collateral, or physical cheques, and I have been unable to repay the EMIs due to financial hardship. 3. I have already paid EMIs for 1.5 years, but due to my circumstances (family responsibilities and financial struggles), I am unable to continue paying. 4. The NBFC has threatened to file an ECS dishonor case under Section 138 of the NI Act, but I have not issued any physical cheques. 5. I need one year to arrange funds for a one-time settlement (OTS) and avoid legal escalation. 6. The NBFC has also engaged in unethical practices like harassment, fake Lok Adalat notices, and threats to disclose personal information, which I want to report My question are 1. Can I approach the Debt Recovery Tribunal (DRT) to protect myself and request time for settlement? 2. If they file a case in another state (e.g., Delhi or Mumbai), how can I manage the hearings while living in West Bengal? 3. How can I legally respond to the ECS dishonor case if filed? 4. What legal steps can I take against the NBFC for harassment and unethical practices? 5. Should I negotiate with them directly or wait for them to file a case? 6. If I go to judicial custody temporarily, will it relieve me from further recovery actions? I need advice on how to handle this situation legally, protect myself, and secure enough time to settle my debts