So to enable that, you have to do 2 things. Go to your bank where the account you pay the lenders with every month is based and have a meeting with someone in $20000 personal loan bank. You have to say you are suffering hardship and use that exact word. Explain you cant pay your debts and need to stop the direct debits going out of your account. Say you have tried to talk to the lenders, but they wont listen, so you need your banks help. This will stop all direct debits $20000 personal loan out of the bank.
There are some sample template letters on this site you can also use to send off to them as well here. I would also advise you to go to another bank and ask for a basic bank acc, just a cash card that you can put wages in and pay essential bills with like gas and electricity.
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Late Payments Hurt Your Credit Score.