Bank cash credit limit

Hello sir I am from jaipur I took a cash credit limit loan of Rs 1000000/- (Ten Lakh Only) in April 2015 at 13% P.A. from SBI Bank after 1 year of I face bussiness crises so I closed my bussiness. I have debotrs in my firm due to market condition my debotrs are not giving payment on time. So I asked bank to make my EMI of my cash credit limit they aggred to repay by 36000/- P.M. and I have paid 3 installments but now I have some financial problem and I am not able to pay that EMI on time but bank send me legal notice to pay full balance amount I contact my bank and give my proposal that I ready to pay interest monthly till i am not able to repay on time but they refused my proposal and make pressure on me and said we are presenting your cheque and you will be jailed of 2 years my parents are senior citizens and I am married I have responsibillities of my family I am worried about them I am agree to pay full amount of loan to bank but I want only want some time. Please my well wishers help me please to get out from this situation