It happens to a lot of people. In their personal lives, and in business too, whilst they may have been aware of their own misdeeds or misgivings, always slow to react initially, the notice to appear in court over financial discrepancies usually hits them like a ton of bricks. There is this fear that a hard hammer could fall if no amicable arrangement or get out of jail free card can be arrived at. The failing or unwitting business does well to hire a bank expert witness if in dispute with or caught off guard with one the most maligned institutions on earth.
You can always have it out in small claims court with a small-time client who refuses to pay. You can always have it out in that same courtroom with a retailer or doctor who insists that you did not pay the bill. And you have the receipts to prove it. But try having it out with the bank. That has always been the case. These institutions remain as unruly as ever if you can forgive the subjective tone for a moment.
Strictly speaking, guilty or not, and generally speaking, whether you are a private client or a small business owner, banks could tie you in knots for years. It is quite challenging to comprehend the clauses of any contract you may have assigned yourself too. That would have to be a lesson for you. You are required to read everything before you sign anything. And if it is going to be that difficult to do, you could always utilize the same agency that could be telling it like it is in court as an expert witness on your behalf.
Do your best to settle matters, in and outside of court.