Personal Loan / Credit Cards - Harassment

I’m From Chennai, I took 2 Personal loans & one Car loan from banks and paid it regularly for more than 2.5 years, due to my hardship caused due to health issues (continues night shift for 8+ years) not able to continue with job and came out from that company and searched for new but did not get any day shift jobs (BPO). After 1.5 years of gap in job without a choice came back to night shift and started my carrier again. Till this year March’16 I struggled to pay all my dues on credit cards / Personal loans / car loan by getting cash from neighbors and relatives, but after March’16 I’m not able to pay any of the dues as my salary is not sufficient to pay all the credit cards / Personal loans / car loan, banks have started harassing for 6 months and 8 months due pending. Persons claiming bank officials started coming to residence even start tracking my calls, also started speaking with my frequent contacts stating that I have gave them as my referrals for loans and I’m not paying the dues on time, by this act I’m deeply depressed as many has stopped taking with me. Last time when two persons came to my residence claiming bank officials I asked them to take my car for the pending card dues (6 Months pending due, 5 yrs loan and 2.5 years already completed), but they refused and said we can’t as it’s a lengthy process, so start paying your dues regularly. Requested them to grant time but they are not in a position to listen about my hardship. I informed them about my hardship and requested for help by accepting payments in small amounts (not full monthly EMI, half of it) on every month till the time I come up, but they neglected it and asking me to make full monthly emi’s every month. On the other hand I need to maintain my family expenses / kids schooling expenses / parents medical expenses (both 60+ years) I’m ready to pay in small partial EMI’s on every month till I come up, Need help from bank on this regard. Also planning to sell my vacant land, if it sells I will be on track, even explained banks on this but they still decline my request. Need suggestion and support on this regard.