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Without photos, this will be very difficult. In this case, I would suggest taking samples or photos to your local extension service. They may be able to help:

https://www.gardeningknowhow.com/extension-search

Here is a collection of articles on peaches that you may find useful:

https://www.gardeningknowhow.com/edible/fruits/peach

If your tree is in the lawn, it could be getting too much nitrogen if you fertilize the lawn. Use a balanced fertilizer such as 10-10-10 for peach trees. These articles should help:

https://www.gardeningknowhow.com/edible/fruits/peach/peach-leaf-curl.htm

https://www.gardeningknowhow.com/edible/fruits/peach/peach-brown-rot-control.htm

This looks much like Phytophthora root rot. Unfortunately, you can only slow the disease down until the death of the tree. Fungicides and proper clean up of infected and dead debris will be the best thing to do from here. Fungicides, with continual use, can help, as well.

https://www.gardeningknowhow.com/edible/fruits/peach/peach-phytophthora-root-rot.htm

https://www.gardeningknowhow.com/plant-problems/disease/what-is-phytophthora.htm

The picture is just a little bit out of focus, so I can't it perfectly. It does look like yellow scale insects, though. Azadirachtin is the main chemical component of neem oil. This extract is best for scale. I wouldn't treat consistently. These are difficult to get rid of.

The scale pictured in the article is one of many different species, however it will still have the same treatment.

https://www.gardeningknowhow.com/plant-problems/pests/insects/control-plant-scale.htm

Unfortunately, your photos did not come through. I can't really say if they are the problem or not, but there are some accepted treatments. Usually, you will look for endosufan, chorpyrifos, or lindane. Here is an article that will help you.

https://www.gardeningknowhow.com/edible/fruits/peach/peach-tree-borer.htm