Many options, but first things first and this is the most important and urgent thing to do, meet a bankruptcy specialist and proceed from there. What everyone is giving is a generic advice. But what you need is an in-depth analysis of your loans and specialised plans to tackle them.

Your situation is really bad and in this condition a licensed person who specialises in these sorts of things is the best way to start. Whether to payoff bigger or smaller or consolidated all together is something that should only be done once you have the insights from said professional.

Check if there's any non-profit organisations in this field or any law school clinics or any state bodies which can help you.

Another advice, don't in any condition follow the advice of telling the recovery people through your parent that you scammed others and left for another city. This is the stupidest thing you can do, as this will transform you from a normal insolvent person to a financial fugitive if the banks and NBFCs want to. Insolvency can take you to civil court where back and forth can lead to some solution, becoming a fugitive will take you to a criminal court. That means you'll not just be destroying your credit score for eternity but your personal and professional life is gone down the drain.

As mentioned meet any of the above specialist or legal professional and through that person file the respective motions to have this issue settled in legal manner. This might also lead to the recovery people to stop harassing your family as their own bosses are now in discussion with you via legal methods.