HDFC Credit Card outstanding default issue

I have a hdfc credit card which due balance in around 40000. i was stop payment by May 2016. I was in serious financial crunch, i was shifted to my native land. HDFC official issue me that card with my permanent residence in my rented house. Now i m in my father's house. I am still in serious financial problem. My bank balance is nil. I am doing part time job, which payout come me as cash. after 1 year some bank official called me and say that she is now get my native land address as i am open a bank account in Bandhan bank for get a micro loan with this native land addess. Now she pressurise me to repay full amount with interest around 20000+40000 in a single step. I am sitting in empty pocket, I can't able to repay a single rupee of that to bank now. But the do not understand and daily they call me and threaten. Experts please advice me that what i will do now? If i do not pay that amount then what will bank done in future? i am in serious confusion mode. If i able to pay that amount , i will definitely pay all but i can't. Please advice.