Bank Recovery Agent Torture. Need help in Extension to clear all Loan.

I had huge lose in my business and im in very bad financial stage. Need to know whether i can get extra time so i can settle all my loans. Im getting threatening calls, visit to my work place, my residing place on daily basis. Today Kotak CC agents came to my home stayed here for couple of hours even after telling i can meet tomorrow today im in interview. He used all abusive words and threatening that he will takecare of my father to make me pay. I asked him for time he gave me 30 min to send snapshot orelse he knows how to make me pay. I have recording of all. I feel threatened for me and my family. Please help me. Specifics: I have 3 PL from HDFC, ICICI and IIFL of total around 6L and 2 credit cards HDFC 75k and Kotak 68K. Due to my financial im not able to pay all EMI's every month but somehow paying 1 EMI atleast in 2 months gap. Im not able to focus on business or join anywhere scared they will come there and make nuisance. If i can get time i can definitely recover from my situation and pay them full and final. I cant take this emotional torture anymore. Please help.