Decreasing the amount of a loan after filing a civil case by the bank?

Hi,

I took a personal loan from a bank in 2018 for AED260000 then I left the country but continued to pay for a while. One month ago in Dec 2020, they have filed a civil case.

If I hire a lawyer for my case to clear, would that help to solve the issue or should I try contacting the bank to negotiate?

I am not sure if the bank will be willing to negotiate to close the outstanding as I was told by a friend, that banks have insurance on the debt that is lent and if there is a civil case they can claim insurance for the lost money rather than negotiating with the borrower, especially after a civil case is registered. Is that true?

I want to clear my name at the earliest but I don't have that much money (now it is AED 293000 with interest and late fee). In a civil case, what are the proceedings if I hire a lawyer?

Does it help to get the amount of payment lowered via court? If so, how much lower can the court order to close the case and how long would it take?

Thanks!