Despite of what it is recommended in previous posts. It is not advisable at all to turn down the bank's requests. With such an amount the bank can assign a collection agent in your country to chase you. And the interest will double the original amount. the best solution for you is you agree with the bank on rescheduling the loan installments. in your situation the bank will be willing to compromise interest rate so you get better settlement conditions. you have to push towards this solution. otehrwise things will get worse. I feel sorry for you, life is unfair...sometimes