State Bank Of India [SBI] — credit card settlement authentication

Dear concern person,

I am handicapped held your SBI credit card and suddenly met with accident due to handicapped and accident not able to earn and pay as well. However I have made the payments of 12000 once and[protected] times. And now I am going to settle with 20000 amount (principle amount 60000) as discussed with a employee of legal Deptt named with Ankit. So please suggest how can I suggest that settlement letter is legal or not so that there will no further calls and dues because I am already under pressure and handicapped also.

Regards,
Kuldeep Singh