Will a medical condition be considered in defaulting on a loan?

Hello,

Please help, I was not able to pay my loan within 3 months for the amount of 841 monthly, because I had to undergo a major caesarian operation.

The balance amount of my loan is only like 17 thousand, and the bank deposited the 40,400 security cheque on my account so it will be bounced.

I can arrange the overdue balance, but the fines of the bounced cheque they raised are giving me a heavy load to settle.

They keep adding interest on my payment since before, even when I'm paying monthly regularly.

Please help and advise.

They said they will proceed to court. The interest is giving me too much heavy financial crisis.