I received a legal notice from the city civil court about my personal loan. I haven’t been able to make payments for the past 8 months. I borrowed Rs. 70,000 three years ago and paid on time for over a year. Now, the total amount due is Rs. 82,500. The notice mentions a case filed in the National Lok Adalat on 11/02/2017 for conciliation. I’m required to attend the hearing.