Will I be arrested and face sentence?

I took instant loans from mobile loan apps, about which I later came to know are fraudulent applications. I missed some of my payments and they had access to my phonebook inturn they started sending defaming/morphed pictures of mine to my contacts including my wife and me. Threating and abusive phone calls and messages became part of it. My wife n me are living separately for last 4 years. On receiving such calls and messages she filed a written complaint against me related to this issue at women police civil station, holding me responsible for this situation which I feel I am. So, I appeared before them on receiving the notice. There I explained everything thing to them in detail but they insisted me to write on paper as self surety that within few days I have to settle the pending loans and stop this harassment to her on failure of the specific time period action would be taken on me, if my wife present herself before them on receiving such calls or texts on expiry of the specific time period. I don't know what to do next as time is short and even after paying them off, if she receives such calls n texts she might go for legal action against me . What rights do I hold now to follow legal action? Will I be arrested? Does police hold the right to arrest me on complaint basis for non cognizant deed?