Credit Card

Hi

I have used the SCB credit in 2009 recession i losy my job and till i don't have the .My actually amount i used was 35k.but  they made call and asking me to pay the outstanding amount(60k).i told bank im not in the position to pay the total outstanding amount.i told bak pepole i will do settlement of 15k.Could you please suggest me what i need to do?

manohar