Product: Debt collection

XXXX XXXX I found out I was pregnant with my XXXX XXXX I continued to work until I just could not anymore. The XXXX made it very hard for me to stand up for long periods and I was constantly XXXX so XXXX XXXX, XXXX was my last day at work. Due to not working I was got behind on my car payment. XXXX XXXX, XXXX I gave XXXX XXXXo my beautiful XXXX XXXX  and then my car was repossessed on XXXX XXXX, XXXX. It was very hard for me being I just had a XXXX to get around so I was really trying to get my car back. When the finance company contacted me sometime the beginning of XXXX XXXX with the amount I needed to pay to get my car back which was like a little over {$1000.00} I was not able to make that payment. I told them if I came up with the money I would call them back. I called XXXX XXXX, XXXX because I was going to borrow the money, I was told the car was already sold on XXXX XXXX and that I would have to call back to see what amount I owed if any after they put everything in the system. Well sometime in XXXX I received a letter showing amount that was owed after all the sale and I owed them {$9600.00} I went back to work XXXX XXXX, XXXX and was getting back on my feet financially so after a few checks I called them to make payments because I did not want to owe them I paid {$350.00} in XXXX XXXX and XXXX I paid {$300.00}. Well in XXXX I was not able to make any more payments I had move into a new place and was trying to get back on tract with a lot of my current bills. XXXX XXXX after I received my income taxes I made a {$3000.00} payment leaving my balance at {$5900.00}. I was told as long as I made a large lump sum they would remove any interest if any was accrued. Well I was not able to make another large sum like that until that XXXX of XXXX my boyfriend new how much I wanted to pay that bill off he gave me {$2500.00} to pay on it. My new balance was {$3400.00}. I was had plans on just paying the rest off with my income taxes in XXXX XXXX. The finance company called me sometime in XXXX XXXX I remember the month because my mom had just had a XXXX and was in the XXXX. The lady that called me from the finance company called to ask was I able to make another payment I told I was not I had a lot going on my mother was in the XXXX and I was a XXXX mother. The lady said if I was n't going to be able to pay the balance off before XXXX XXXX that they were going to take me to court. I was very upset because I had been trying my best to get this balance paid off and so we got into an argument because I did not like the way she talked to me and I hung up the phone and left it at that. I stopped answering any there calls. Well eventually it showed up on my credit for {$11000.00} with XXXX XXXX and then in XXXX XXXX with a collection agency called Cavalry Portfolio for {$6800.00} I asked for validation of this debt and they sent me my original contract with XXXXXXXX XXXX XXXX saying I owed XXXX which was the amount I finance the car for and I am just confused on how they came up with these amounts. I have attached the original letter that was sent to me in XXXX XXXX from XXXX XXXX showing the final amount of {$9600.00} before I made my payments. totaling up to {$6100.00}