Credit card settlement

I was a user of SBI credit card till 2015. I was going to pursue my higher studies and hence left my job. For the same reason, I approached the bank for a settlement on the due amount. They provided me a figure of 61000 for settlement to be paid in 6 months in EMIs from Oct 2015 to Mar 2016. The settlement letter stated to pay 6 equal EMIs in 6 months.  When I asked their executive who came at my home with the settlement letter, he said that I have to pay 61000 in 6 months; doesn't matters whether I pay EMI every month. He said I have to complete the payment of 61000 in 6 months. Though I made the payment of 61000 within 6 months but didn't deposit any money in Dec 2015 and February 2016. Now after, 1 year my family is receiving calls to again pay the amount of 61000. According to the collection agent, I paid the amount of 61000, but since I didn't pay any money during Dec 2015 and Feb 2016, that's why I again will have pay 61000 which I can't as I am student now. Please advice whether I should pay anything to them or not as I am not in a state to pay. Moreover, can there be any legal action against me from the bank end.  Regards, Shivam Singh M: [deleted]