Sir, After moving to different rented house with no job and was searching for good job, which gives me same salary as previous company salary. but i got the job but , salary is very low compared to previous job. Why i am saying all these things because , situation has worsen. After moving to different rented house , I contacted bank once regarding non payment and explained my situation. they don't want to listen to my situation , they just want me to pay dues on time. and i remember once while i was working i missed my payment when my father was hospitalised and they repeatedly calling and using rash language to collect money . this made me think i will contact them once my situation is some what gets better , and start paying my credit card payment with minimum amount . over 1 year i did not made any contact with bank. When I lost my job sir, i thought i will end my life but i thought about my family how they will survive and came through many difficult situation and i need to fight back , now They some how searched my number calling me pay the dues. if i would had money i don't even save for my self I could have paid all dues. I never begged anybody for money in my difficult situation other than using bank money.
Sir , my query is
1. Can I file bankruptcy at court .
2. what actions bank will take against me if i am unable to pay there money .
3. What is the legal procedure will follow.
4. last any govt or private organization i will help people in these situation.
Thank you
