Credit card outstanding 75k and personal loan 40k

Hi All,

I lost my job last month and having credit card outstanding of 75k AED across ENBD-35K, EIB-20K and FAB -20K, and also a personal loan of 40k with mashreq bank

It's been very difficult to keep the payments due to financial distress caused. I need advise on how to proceed further, shall i wait for the default and ask bank for the OTS or pay minimum balance.

I got an offer from an MNC in mauritius for 50% of UAE salary, thinking to move there since getting a job in dubai is very tedious and time taking.

Need advise guys pls.