Yes Bank — Settlement of Credit Card

I had a credit card from Yes Bank, I was using it normally; however, I lost my job and I couldn't find new one. I got basic help from family so I couldn't pay for the same. I started receiving calls from recovery threaten for the same. I wanted to settle the same but recovery team was pressuring to make minimum pay or full payment to close it and no settlement.

I want to settle the same but I am scared of their recovery teams as they keep calling and threatened or speak so rudely, that's why I changed my number. I want to settle the same and communicate with representative through email but can't find a method.