I'm struggling with debt and need a plan. Beyond just saving and earning more, should I talk to my bank about pausing EMIs or extending my loan? Would selling some assets or refinancing my gold loan be a faster way to gain some breathing room?

I am struggling with my finances right now (23M). My family is facing hidden bankruptcy and a heavy burden of debt. Earning ₹30,500 a month while supporting my family is tough, especially with ₹3.5 lakh in debt and monthly EMIs of ₹45,000. I need your guidance on how to improve my financial situation.
(I didn't find the perfect sub for this, that's why I asked here.)