Credit Card — why cibil not ready to take money from me???

hello my name is raajveer my name is in cibil as credit card defaulter...the money is about 90000 INR which i couldnt paid for last 10 months due very bad financial problems.i am still sufering from same problem and i am ready to pay 20000 INR which i managed very difficult as cant pay more than this .
i had word with my bank citi bank but they want whole amount in full with interest i asked them to make emi for i year but they are not ready for that even....
now i am going to usa as married to usa citizen lady.i am not coming back to india ever and i have told this to bank but still they are not ready to listen..

help me out to get my name out of cibil as am offering this amount last time or else i will destrioy my pan no and am flying to usa and dont care about anybody..
i had asked them if you want money that is 20000 INR take it right now or just go away dont disturb me then also they are not ready to take .....
so now i have decided not pay single penny and to say get lost citi bank ......