One of my creditors ( Standard Bank) handed over my account to attorneys for further collection! How so since I am with Financial Debt Advisors? Furthermore they say Financial Debt Advisors didn't have prior agreement with Standard Bank regarding how much

One of my creditors ( Standard Bank) handed over my account to attorneys for further collection! How so since I am with Financial Debt Advisors? Furthermore they say Financial Debt Advisors didn't have prior agreement with Standard Bank regarding how much they must pay Standard Bank! Did Financial Debt Advisors had any prior agreement with Standard Bank? Standard Bank is saying the money they are getting is too small and therefore I must pay more which I don't have. The communication between myself and Financial Debt Advisors is very poor because they are not responding to the questions I have asked them!