I OWED THE CITY OF XXXX, WI. BEFORE COLLECTION AGENCY UNDER XXXX. AFTER THIS WAS SENT TO STARK COLLECTION AGENCY IN XXXX, I AGREED TO MAKE MONTHLY PAYMENTS AS I DID NOT HAVE MUCH MONEY. WE AGREED ON A MONTHLY AMOUNT. I BELIEVE I MISSED XXXX OR XXXX PAYMENTS DURING THAT TIME, BUT I ALWAYS CALLED AND TOLD HER I HAD MONEY ISSUES AND I WOULD BE SURE TO CONTINUE THE NEXT MONTH AND SHE WAS FINE WITH THAT AND RECORDED THAT IN MY RECORDS. ABOUT 4 TO 5 MONTHS LATER THEY PULLED MY DRIVER 'S LICENSE FOR NON PAYMENT OF DEBT. I HAVE RECIEPTS FOR ALL OF MY PAYMENTS, BUT THEY REFUSE TO RELEASE MY LICENSE. NOW THE COLLECTION AGENCY TELLS ME THAT I OWE ABOUT XXXX BEFORE I SETTLE MY DEPT. I HAVE ALREADY PAID THEM XXXX. THE COLLECTION AGENCY KEEPS ON CHARGING ME WITH INTEREST, PENALTIES AND FEES, WHICH I THOUGHT WAS ILLEGAL AS IT IS NOT STATED IN MY CONTRACT. ACCORDING TO MY RECORDS, I THOUGHT I OWED XXXX BUT WHEN I CALLED TO CONFIRM MY BALANCE TO SEE IF THAT WAS CORRECT, I WAS INFORMED I STILL OWE XXXX. WHEN I INQUIRED WHY SUCH A BIG DIFFERENCE, I WAS TOLD FEES AND PENALTIES. NOW WHEN I JUST TALKED TO HER, SHE SAID IT WAS ALL INTEREST. I WAS NEVER TOLD THAT THEY WOULD KEEP CHARGING INTEREST AND FEES WHILE I WAS MAKING MONTHLY PAYMENTS. I WOULD APPRECIATE ANY HELP THAT YOU CAN OFFER IN THIS SITUATION.ANY QUESTIONS OR CONCERNS, PLEASE CONTACT ME AT XXXX XXXX XXXX. 
THANK YOU, XXXX XXXX