A settlement includes accumulated interests and fines by a bank. What to do?

Dear sir/madam,

I got a personal loan of 230,000, and paid 35 installments out of 48 installments about (209,000 DHS) but failed to pay further due to the loss of my job.

The bank deposited the guarantee check and filed a criminal case. The penalty was paid and the criminal case was released. Now the bank is asking for a settlement of 105,000 which includes accumulated interests and fines otherwise threatens to file a civil case.

What is the amount I am liable to pay by law if they file a civil case? What is the best solution?