A company I have dealt with for 3 years retained a collection agency on a balance of $1813.60. after an initial $200.00 payment was sent by me and received on 1/26/05. One bill has been sent to me since that payment. I paid the prior two years bills in much the same way. There was no letter or contact by the Company that they were retaining the services of a Collection Agency. After a discussion with the agency, I agreed to pay $150.00 by 4/01/05. I received a letter with a payment schedule and fees of approx.$1000.00. I did not agree to this payment schedule or fees as the letter states. What are my options at this point? The amount of fees seems ridiculously high.