Settlement agreement

Hello, I want to consult my case with you. I have taken some amount from some of my clients for visa purpose in Punjab. As it was not successful somehow and lost too much money in that matter, I paid some money back, but still some amount is pending. In the course of time I sold my house and everything that I had to return the money. But that was not enough and those guys started harassing me. I had to leave my house with my wife and old mother. I have been in touch with my clients via email and assured them return of amount when I get. They waited for some time and now due to lockdown the complete travel business is shut. I think it won’t be back to normal in a year or so. Now the clients have started harassing my relatives back in my city. I have always been nice and honest to them but they have now started Police proceedings against me as I heard from my relatives. Now what I want is to settle things with them, but in a legal way, so that I can come back to my city and those guys can’t harass me. I will pay their money back but not before next year. I would like to make a legal binding with them and pay them small amounts every month from next year onwards. I request you to suggest me how to go about it. If the lawyer can act on my behalf, I am ready to pay the fees for the whole process. Please let me know the steps that can be taken, as well as your fees for the whole process. Thanks, Gaurav