Thank you for your question. Please permit me to assist you with your concerns.There are a few potential reasons. First, you may have had what is known as a 'stipulated judgment', or essentially claim where you admit to liability and promise to make payments for one amount, but if you breach that promise, you become liable for a higher amount plus court costs, attorney fees, and collection fees. Even without a stipulated judgment the fact that you breached is sufficient for the other party to seek attorney fees, court costs, and collection fees for the owed amount (although not to this extreme extent). You can still fight it and request a formal accounting. As for paying the insurance company directly, it depends solely on whether or not this debt was 'sold' to the collection agency or not--if the insurer still owns the debt, then you can still directly contact them and create alternative payment options. But if not, then you would have to deal with the collection agency.Good luck.
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