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How to negotiate closing ccard account and lowering paymentsg payment

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Junior Member
What is the name of your state? I am 80 .My band sent a Check instead of an electronic payment to MasterCard because Scotiabank was not on their list of players and I had to "create" the bank as a payment.The payment was late .They sent me a letter demanding a double payment plus the late fee .I cannot pay that much .I am living on my SS aided by various government help . I want to close my credit card and negotiate a reason able payment .I have no financial or physical assets . I have never missed a payment or been late before to Scotiabank .There is now only one branch and it's to far to go .I'm done .What should I do ?

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