If you are having a problem with a third party debt collection company, possibly you should consult with an attorney who practices in the area of consumer debt law. From what you have written, there is the possibility that the third party debt collection company that you are now dealing with may be engaging in unfair debt collection practices under state and federal law by not giving you a proper accounting for the payments you have made on the obligation you are writing about.Be prepared to send copies of all documents (cancelled checks, money orders and the like) to this third party debt collection company showing that you have made more payments than what you have been credited for.