I have a debt of about ₹10 lakhs in unsecured loans (personal loans, credit cards, and app loans). Now, I don’t have a source of income. I lost my job, my children are studying, and my husband is a daily wage worker who was injured and is still recovering. We are struggling even for food. How do I file for legal relief, and where can I get free legal services? I cannot pay fees. I am 45 years old, unemployed, and have only worked in the financial sector with no other professional qualifications. Please guide me.

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