\[a_{n} = 7 - 3n = 4 - 3n + 3 =\]
\[= 4 - (n - 1) \cdot 3 \Longrightarrow a_{1} = 4;\ \ \]
\[d = - 3.\]
\[S_{20} = \frac{2a_{1} + (20 - 1)d}{2} \cdot 20 =\]
\[= \frac{2 \cdot 4 + 19 \cdot ( - 3)}{2} \cdot 20 =\]
\[= (8 - 57) \cdot 10 =\]
\[= - 49 \cdot 10 = - 490\]