138 act for non payment

Hi, I borrowed 4 lakhs (as cash) for 3 percent interest from one of my friend before 3 years giving my cheque as security and also signed promissory note. They are not licensed money lender. I have paid interest (mostly in gpay) around 1 lakh. Then due to my business loss and financial crisis I was not able to pay the interest. I requested them that i will pay the actual amount in emi but they denied. They threatened and misused our my photos saying I upsconded. I made a police complaint stating all this and they agreed not to threaten me but denied to get amount in emi. Now they have send summon in 138 act. I didn't receive any notice in prior. I don't want to cheat them or deny what I borrowed. I want to pay back genuinely as 5 - 10 k on monthly basis as I can only afford that now. How should I handle this. I am a single mother, my dad too passed away, having a 5 month old new born, i am the bread winner in my family. Kindly give me suggestions to solve this without any issue Thanks in advance!