Failing to pay my Debt.

Dear Sir/Mam It has been 6 years I am using citi credit cards and tool loan on credit card as well. I never ever defaulted or did late payments . I paid not less than 4-5 lakhs till date . But last year I met with a fatal accident am I lost my job and everything and not been working for past 9 months ,still I paid everything on time except from this month as my savings are all over . I have a credit card bill of nearly 1 lakh and a loan of nearly 2 lakhs . I told bank I need time and they gave me 2 months grace but I know very well that emi's and late charges and interest will bundle up. Sir now I can't pay them a penny until I get back to work . Can you please suggest how can I settle my both accounts with a minimum settlement amount and get settlement certificate that I don't have any dues . I am ready to face all the consequences on cibil and I know I may not get any loan in future for 7 years . Please guide me how should I approach the bank for loan settlement and card settlement by paying the minimum I can . Please advise , I will be grateful to you forever . Thanking you Paromita