24, Crushing Debt, Need Urgent Financial Advice (india)

I'm 24 and feeling overwhelmed. I'm working hard to increase my income, but I'm struggling with a massive debt load. I'm hoping someone can offer some advice on how to navigate this. I'm located in India, which adds some complexities. Debt Breakdown:

• 1.5 Crore (15 Million INR): This debt originated 10 years ago as a 20 Lakh (2 Million INR) loan due to my father's business loss. It's secured by 7 acres of farmland (each acre worth at least 50 Lakhs now). The lender is trying to seize the entire property, and it's currently in court. I have no idea when this legal battle will be resolved.

• 1 Crore (10 Million INR): This is a home loan with a 10% interest rate, resulting in a 1.2 Lakh (120,000 INR) monthly payment. We currently live in this house, but we need an additional 15 Lakhs (1.5 Million INR) to finish construction, including a compound wall. This loan covered land purchase and construction costs.

  • 20 Lakh (2 Million INR): This is bought for business as well. This loan high interest rate.

Income: * My previous monthly income was 1 Lakh (100,000 INR). * Starting this month, my income has increased to 1.5 Lakhs (150,000 INR).

My Main Concerns: * The legal battle over the farmland is a major source of stress and uncertainty. * The high-interest home loan and the need for additional funds to complete the house are also concerning. * I understand my debt to income ratio is very high.

Questions: * Has anyone dealt with similar legal issues regarding land and debt in India? What was your experience? * What strategies can I use to manage and reduce this level of debt? * Are there any resources or professionals I should consult? * How can I improve my current financial situation?

Any advice or insights would be greatly appreciated. Thank you.