how to legally handle civil suit with sbi

have a cc a/c with sbi since 2008 , lmt 2 lacs, suddenly the business went down where i tried to run the same but the debit balance increased, i regularised the a/c two times, but could not maintain it, i wrote them to convert it into emi so that i can pay it on monthly basis, i am having all the written application too. in the mean time they adjusted rs 80000, with my fd security , and asked for the balance. i again wrote them to convert it into emi but they did not responded me and now have filed a civil suit at durgapur court, in my name and my mother who is guarantor, i am having all the acknowledge applications of them . what shall i do now. i am financially weak .