Unpaid Car Loan

Hi. F26 here. I need an advise please. I took car loan last February , and I was earning 100k plush a month. It was good until I lost a client and bad financial decisions.

Right now, I am back on track and can pay the monthly due of 25k. But last month I received an email that I need pay the entire 970k plus. I also had a call last December and they agreed to have me pay half of it but during that time, I still don’t have any amount to pay.

Please advise what to do. I can pay around 70k on January 15.

Before all the judgement and bashing, please do know na it was a mistake to have a carloan without sufficient fund. I came here for an advice please. Sobrang naihihiya akong malaman ng parents ko.

Thank you.