About credit card recovery

Dear Sir/Mam, Greetings of the day, I have used SBI credit card in the month of Feb'2019 and in the month of May'19 i had face an accident and my knee was broken badly. Doctors had decided to operate it and fixed the bone with the help of plate. After operation i am on bedrest for 3,4 months. Due to this reason i was unable to pay the outstanding of my card. Many times by call or by mail I tried to convince the customer care person to convert my all outstanding into lowest EMI Rs. 2000 to Rs.2500, they denied for conversion. Now they all are calling me and visiting to my home for recovery. Now in this case i need your help, what should i do. Thanks & Regards, Ahmad Khan