single bank balance

I am seriously faced with 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 a single bank balance for the future. I stay with my mother ###, my wife, ###, and a kid ### years. I don't deposit school fees of my kids in proper...

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.