How can I negotiate with the bank regarding credit card if I lost my job?

Hi,

Please advise the below issue with the bank.

I lost my job last 2018, and due to this, I'm not able to pay my monthly dues to the bank. I visited the bank to discuss that I have insurance for my credit card.

But the bank denied that insurance and said to me that I should apply for that insurance after my company finishes my work contract. It takes me 3 months before I visit the bank to apply for the insurance.

The bank sued me in a civil case. I paid the amount to the police. But the bank still forces me to pay the pending amount. I manage to pay per month since Sept 2019 and until Dec 2022.

Again I lost my work last Dec 2022. I'm not able to pay now the monthly dues that the bank required.

Kindly help and advise, please.