How to avoid a case by the bank for defaulting on loan instalments?

Hi Sir,

I have a personal loan with a UAE bank, the amount was AED 240k. I paid 6 months, the remaining amount is 200k.

My security cheque amount is AED 288k. Unfortunately, I am not getting a salary from my company so I can't pay the EMI.

Currently, 2 months are overdue, the collection department people started harassing me.

I sent all the relevant documents to the bank related to the salary issues... etc., but no help from them.

Can I know what will be the penalty & jail term for it?

Still, I am staying here in the UAE.