[Resolved]  Kotak Mahindra Bank — Credit card platinum and feast

Hi!! I am having Two credit cards from Kotak however since past 6 months due to bad financials I am unable to pay even the minimum dues for my cards. When I seek their help for converting amount into easy Emi's they give me options which comes around 10 K per month which is again impossible for me to pay. My Salary is 36000 where I have following liabilities 1. a personal loan and the amount for the same 18500 2. I pay a rent of 6500 3. My son's school fee is 5500 4. Electricity Bills which comes around 2500 a month 5. I have two kids and hence the basic necessity like milk for them costs around 2000 every month 6. Every months grocery and vegetables easily comes around 3 K atleast I am willing to pay bank the amount however I need a solution which can work out for me myself and bank but the options given are not worthy for me and on top of that representatives react as if I am playing in Lakhs and crores and I dont want to pay the amount on top of that they harass my Grandmom where I used to leave earlier as that's the address I mentioned when I got the card. Even after repeated request not to visit and harass her collection people go there and mentally harass she is already 75+ and she cant bear all such incidents. Moreover when I am the one who is owning the card why they need to harass her or do any sort of conversation with her. I am just 30 and I know that bank is the only one who can fulfill the financial needs in each and every form and I would have to seek help for my kids future and whether a big business or a poor person they need to take helps from Banks Please help as I cant bear all this mental trauma and cant see my wife or grandma going through all these tension