u/Existing_Natural_499

I have 2 loans Total of 17.9 lac ..I have missed emis 6 for one bank 7 for one ..I am incapable to pay emis or foreclose it so I need to settle . I followed the process myself but now I am looking for a job so if I get busy in a new job I want someone to handle this ..so does anyone know how do these agencies work? One of them told me they ll handle everything for 18 lacs il have to pay 5.5 lac as settlement in 8 emis and they ll charge 85 k as their fees ...so does that work..coz 85 k is too much for me? Any other alternative??