how can I protect myself from the harrassment of revover agent & legal

Availed 3 CC, PL & bike loan from 3 bank including a NBFC while working with a BPO-approx 4.5 lac due. Duly paid all the EMI on time till aug. Due to loss of job& an accident that left me with a disability for which I can no longer pursue my career in BPO as it requires english speaking. I have no source to pay. Have no intention to willfully default the loans. But now looking for alternate career option and have taken admission in a BBA-MBA course with the help of a sponsor, so that I can secure a better job & dues can be taken care of. However, it will take yrs from now. And also in b/w if I get any avenue, I will try to clear 1 by 1. I do not have any other asset that I can use to pay off the dues now. I have to move out from my regd address & have s/off mobile number to keep myself safe frm the harrasment of recovery agent. But I am not running away from the law. I have emailed each of the bank clearly asking more time. Have also provided my home address fr correspondence