Hi Sir, I am resident of New Delhi. Due to some exaggerated expenses I am deep neck in huge credit card debt around 28.52 INR Lakhs now I am not able to make even minimum payment on my cards due to less income coming as as compared to total outstanding and outgoing. It’s becoming very hard for me to run my family and manage my payment as I have some Personal loans also in continuation of the above mentioned card dues. I need some guidance and suggestions what to do now as it seems to me I will not be able to make payment now. It’s might seem some habitual over spending habit of mine due to xyz reason and I am not going to justify that but I am in big shit now and want to get rid of this. I have seen something on Google that with the help of right guidance and coaching person can come out of this situation and live a Debt Free Life. Please advise.