****mers and Bullies

I placed myself on debit review and court order was granted.During the processes of my debit review i missed few payments and Woolworths Financial Services terminated their contract with me beginning of thus year.For the past 5 years i paid them R56 000 and when they terminated i had a balance of R 11 000 now they handed me over to the collectors with the amount of R81 000.When i call and my counsellor communicates with them they are falling to explain to us why the balance.It is frustrating me becaude i am closer to finishing all my debts yet the want me to start a debt from scratch