Personal loan

Respected Lawyers,

I have loan in bank for 5,58,000.
I stopped paying EMI’s Due to reasons.
Loan start year 2017 end year 2023.

I received legal notice over emai in 2018. That year I don’t have job.

Now I am ready to start for making EMI payment. Same informed\ replied bank officials over email, no response received.

How I can solve this problem, need your help. I am common man.