Debt Trap: 27F, 1.14Lakh/month, Drowning in Debt

I'm drowning in debt! 27 years old, making 1.14Lakh per month, but saddled with 1.49Lakh in credit card debt and 1 Lakh in personal loan debt. My monthly expenses are around 40k, and I have NO savings to tackle this.

This debt spiral started with an emergency at home. Now I'm paying 19% interest on the personal loan and a crippling 35% on the credit card. My credit card due date is Feb 4th, and I'm freaking out.

Desperate for advice: * Should I consider Cred Cash for EMI payments? * How can I efficiently get out of this 2.5Lakh debt hole?

Any advice is greatly appreciated!