Need Advise

I lost my job during the pandemic in May 2020 and for survival, I started a small business in my wife’s name in Rajkot, Gujarat with whatever savings I had during that time. I rented a small place but due to government rules related to covid the business went in major loss and I had to borrow money from some private lenders and friends to survive. There was no option for me but to shut down the business in Dec 2020 and I started looking out for the job. I have got the job with very low salary in Gujarat and am staying away from my family to earn and survive. Now since the past 1 month my lenders and creditors are harassing me and warning of dire consequences for going home and harassing my family if I don’t pay them. I am not able to focus on work because they all call 8-10 times a day. I explained them the situation and have asked time of 6 months’ post which I will start paying them off slowly in phase wise manner. I am currently working hard to meet my ends and due to current economic cr