
Guide needed , Dad has 7.8 lakhs of debt (CC + PL) , but salary is very less.
so my dad who is 52 has debt of 7.8 lakhs including PL and CC , and his per month salary is just 24.4k , we already sold our jewellery but it again piled up because with jewellery we just paid 1.7 lakhs at that time , how to solve this issue forever please guide , he cant earn extra money he has full time long working hours job , i also cant do much about it as i am in class 12 preparing for JEE entrance exam and my exams are in january . please guide what are the things we can do . if settlement is a way then please tell about this too , if we should go with any debt settlement company or lawyer.