loans defaulted, became pauper

Hi, I have credit cards, personal loans, loan against credit card from icici and hdfc in 2007,08. I paid regularly upto my situation got worst in Dec'08, nearly 2years. No bank is given loans or cc's based on my salary. Only based on banking transactions they gave. And card to card , again personal against card. My salary is 15k at that time and emi's touching a lakh PM.my fortunes gone for a toss in 2008 sharemarket crash.I lost heavily of banks money, my money and my parents property sold amount, I become jobless and a pauper. presently I don't have anything like cash or property. I am literally on road. its very difficult for me to get daily bread. but from last 5years bank collectionpeople running behind me.I changed my address and never received any legal notice pls suggest what I can do apart from cash payment, as I don't have any source of income. Except me, no income, no property. thanks