Loan and credit card default

Dear Sir, I have taken 3 Credit card, A personal loan and a Two wheeler loan from 3 financial institutions including a personal loan from a NBFC while I was working with a BPO company which is a total of approx 4.5 lac due. All loans are unsecured. I have duly paid all the installments on time till last month. However due to loss of my job and an accident that left me with a disability for which I can no longer pursue my career in the BPO industry as it requires english speaking. I am at no position to pay the emi's now. I have no intention to willfully default the loans. But I am now looking for alternate career option and have taken admission in an integrated BBA-MBA course with the help of a sponsor, so that I can have a degree to secure a better job so that the dues can be taken care of. For which I am dedicatedly working. I am willing to pay all the dues with conderable interests. However, it will take few years from now. And also in between if I get any avenue, I will try to clear one by one. I do not have any other source of income or assets/property that I can use to pay off the dues now. I have to move out from my registered address as I could not afford the rent and have switched off my registered mobile number to keep myself safe from the harrasment of recovery agent. But I am not running away from the law. I have intimated each of the institutions in detail and have clearly mentioned the reason of default seeking more time. And I have also provided my permanent home address in my home state where my parent reside now, for any correspondence. Please advise how can I protect myself from the harrassment of revovery agent to be able to complete my studies, being in the boundary of the law. Thank you.