Section 62 of the arbitration and conciliation act, 1996

Dear Sir/Ma'am, I have SBI card outstanding amount of Rs 109000 but i m unable to pay the amount as i m jobless from last year , recovery team regulalry calling me i have already told them about my situation but now i have received mail regarding meeting under concilliation act 1996. mail was like this - Please note that in the event you fail to respond to this Conciliation Notice, on the expiry of Seven (7) working days from the date of receipt of this notice, we would have peremptory instructions to initiate Civil and Criminal proceedings against you, which would be entirely at your risk, cost and consequences thereof. Please ignore this notice, if already paid. i want to know that what legal actions can be taken against me , i dont know what to do i have no source of income, my father was expired and i m jobless i m having depression and anxiety due to this my health is degrading day by day. 1. If i am unable to pay is there any criminal charges proceed against me? 2. Police will arrest me? 3. do i have to go jail? as somebody has said me that 6 months jail ? sir i am in very much fear what will happen my conditon is not good. Thankyou