Unable to pay Loan and Credit card dues

4 years ago

I am having loan outstanding and Credit Card outstanding. A year back I had to leave job due to sickness. Still I was paying my loans and credit card using my personal. For the past 4 months I am unable to pay and hence faced calls from lenders and house visits. Now I have recovered from my sickness and looking for jobs. What I have taken from the banks I want to pay back but I need time, if I mail them they bluntly says they don't holiday period. So I consulted a lawyer he said we can file a case saying that 1. Not to disturb me for certain period and I will pay them after that. My questions is there a law which will give me time and also relief from the house visit executives. If so how much time will I get. What happens to the Interest? Will it shoot to a HUGE AMOUNT for the time I get to pay or start repayment. My intention is not to cheat, what I owe I will repay at any cost. For that I have to earn and have a peace of mind to earn it and pay them back.