What to do against a criminal case by the bank for defaulting on EMIs?

Dear Sir/Madam,

The bank has filed a criminal case against me due to the nonpayment of EMI before three months, even without any pending payments from my side.

The court fine was paid & the travel ban was removed. Unfortunately, I could not pay the EMI for two months because of the pending salary (Outstanding - AED 72000).

This case had already been handed over to a private legal agency by the bank. Can you give any advice to survive this?

S.