Frustrated by Bayport Financial services

I took a loan from this company 2011, it was R11000 and due to financial problems I had at the time I struggled to pay them, they garnished me and debit it straight from my salary and to my surprise my debt was now R75000 from R11000, I am now left with R35000, as much as I understand there are consequences when you don't pay on time but this is too much, I have a garnish, a default and a judgment in my name all from this company, they are tripling their money what more do they want.