State Bank Of India [SBI] — harassed by recovery agent call

This is to inform you that i am unable to pay my credit card amount as my family has fallen under hard time in recent months (My accident, my father hospitalized and passes away), but we do want to settle this in a fair and just manner so that you can have the money you deserve and we can be relieved of the burden of owing you this debt.

I am able to give 20% of my debts. If agree to settle with this amount, more than 20% is not affordable for me as my recent situation.

I am ready to settle this as soon as i get the confirmation from your side.