loan matter

My father had taken 2 personal loans of rs. 4 lakh & 1 lakh from different banks. He also have a home loan of 3.5 lakh along with 2 kyc loans of 1.2 lakh 30 thousand. Now question is that how a person can get loans more than the limits of his salary ....? My father is class -4 govt. employe earning salary of rs. 26000 pm but the installments of total loans comes 22000 pm. Now we find great difficulty in repayment due to low wages and house expenditures. Now i need Advice how to cope with such problem.