Hdfc personal loan default 3 emis

Hello everyone, I took a personal loan from hdfc bank of 5 Lacs in 2015 Dec. I paid 14 EMI till Feb 2017. But now due to heavy losses I m not paying EMI for last 3 months. Hdfc keep on calling me. I have no money to pay. Today 19 may legal manager send me WhatsApp message that on 22nd may between 10 to 4pm I have to appear before lok adalat dlsa karkardooma Court Delhi. If I don't appear court will issue non bailable warrant against me. I don't know what to do please guide on urgent basis. Below is exact message he sent me. Notice for appearance under section 20(2) legal service authority act 1987. The matter is proposed to be place before the look adalat for the amicable settlement to be organized at DLSA KARKARDOOMA COURT DELHI. This is the notice from Karkardooma court regarding your personal loan with hdfc bank pending amount. If you are came so court has taken a content of law and court will issue a non bile bail able warrant against you. Time 10am to 4 pm on 22nd May 2017.