Personal Laons, Credit cards loan and Dues payment issue

After quit my job, I am in to business with my wife from 2016 but unfortunately after some times in 2018 my business going down and I was unable to pay banks installments & credit cards dues. By hope that business will be improve I take some loans on credit cards also as I need money to overcome from these situations. But my bad luck everything was finished and I am completely bankrupt..banks regularly following to me for money but as my address was changed as I m on rent they couldn't found my address. But now they are calling my contacts people and saying that I am given their reference for loan even they are telling lie as I never given anyone reference.. Now by doing some where job I am take care my family-my wife and my 5yrs old baby girl. I am unable to pay my dues so is there any option that we can file a request for wave off my pending all the amounts..as my family is in very tough situation Don't know how to overcome from this..They are calling my friends Colligues ,relatives, We are help less and hide our face from all and living life alone not and now Due to this tention I got blood sugar also..so plz suggest..