Summon for settlement of issues(educational loan)

Hi Sir/Ma'am, I took Educational Loan from SBI for completing my studies (B.tech , 2009 - 2013). After completion of my studies i started paying the loan but was not regular due to my poor financial condition. The amount i was paying was also less than the installment amount that the bank wanted me to pay. So , the loan account turned into NPA and then after some time it was written off. Today , I received a letter of "Summon for settlement of Issues in the court of senior civil judge , Rourkela " on 20th January 2018. My present condition is that i got a government job and my joining is in March 2018 and i will only be able to pay from March 2018 onward and that too in installment. KIndly suggest me what to do now ? 1) Should i talk to the bank directly about the settlement? 2) Do i need to appear on 20th jan 2018 and talk about the settlement there in the civil court of Rourkela ( which is not my home city ) as i am from Patna? 3) Should i skip the summon and directly talk to the Bank about the settlement in March after joining the job ? Thanks in Advance. Regards Abhishek Sinha