How to negotiate with the bank to drop cases and settle a loan before I return to the UAE?

Hi

I acquired a loan in the UAE and made timely payments. But due to some emergency, I had to fly back to my country and lost my job.

Although the gratuity amount was paid to the bank which was around 50% of the actual amount, the remaining amount is still around 260k.

I had a life-threatening accident and was not able to travel back and it's almost 6 years. I keep getting regular messages from the bank about the repayment and filing a case against me.

I am planning to fly back to Dubai to search for a job as I was jobless for 4 years due to the accident and covid.

What are the consequences I will face and how can I avoid them? And what will be the best scenario for me?

Regards

A. B.