If you have a property, be it a residential or a commercial, you can keep that property as collateral or mortgage with the bank or NBFC, to get a loan against property. The loan against property eligibility criteria is that you only need a stable income. However, you should always try that your burden gets reduced. So, you can easily repay the loan and never becomes a defaulter.
You should create debt hierarchy first, to sort all your loans and get loan against property instant approval. You should write down about all the people or institutions that you owe money. Create it in a descending order starting with the highest interest rate at the top, as this will help you to pay off the most expensive loans at the beginning.
If the situation is such that after taking a loan against property, your income becomes better, then you should consider increasing your repayment instalments as well. This will help you to reduce the loan against property tenor and will ease out on the burden. You will be able to get done with your debt sooner than before.