Legal Question in Banking Law in India

Once you receive the summons on 138 case, it is better to appear before the court, failing which the complainant can seek non-bailable warrant against you. Meanwhile, you can negotiate with the bank to reduce your emi's according to your repaying capacity by granting you a fresh loan taking together the old loan+interest thereof. Alternatively, you can seek extension of loan period by reducing EMIs..(I understand, both the things are diffcult to negotiate, but have a try)