single bank balance

I am seriously faced big financial troubles with my personal loan and credit cards. I try to close all those but i don't make up. I don't have single bank balance for the future. I stay with my mother 72, my wife , 39, a kid 8 years. I do not deposit school fees of my kids in proper time. I...

Unable to repay loans. Very badly effected with financial crisis. I don't have a single bank balance for future. How to manage after retirement i dont know. No backing for finanace. My moy (75), My boy (7), My wife (39) all depends on my service from where i get salary.