I have a debt that started at {$8800.00} 14 months ago. I am not late on payments as far as I know and have paid {$300.00} per mo. every month, for a total of {$4200.00}. They still have the balance at over {$5600.00}. They ca n't seem to give me any straight answers as to where the money is being applied, or a fee structure that would account for the missing money. Can you help?