I have taken credit card 3 years ago form SBI card. And my current outstanding is at Rs.57900. It was around 45000 two years ago. I had been paying out my EMI but due to some financial problem now I am unable to pay the minimum amount. How ever I have been paying out the least amount as much I can afford. Last week I got a legal notice form lok adalat to appear on 9th of this month. I am very worried what will happen as I am not in a position to do settlement also. But I can pay Rs 3000 per month and after 4 months I can pay out the whole outstanding. Please help and let me know as what will be the action taken by the court.