I have lost my job since November. I had credits cards and loan EMI payments which i used to pay everymonth. but since i lost the job, im not able to make the payments. The bank peoples they keep calling me and come to my old office and my residence. If there is any way, that i can stop the payments for a period of time without the collection peoples calling me. I know i owe the money to the banks and im not going to run away.But as soon as i get a job, ill start making the payments. Kindly help me..