SUSPICIOUS DEBT COLLECTING TACTICS

I owekd Capitec, they ceded the debt to Nimble. The balance is +-R34 000 now. In 2021 up to 2022 I battle with almost all credit buros because, even though I had an arrangement of R3000pm with Nimble. They listed the entire balance of the loan as my monthly installment (at that time it was R58000), as a result it made my monthly commitments to be more than my salary. I don't know if this is ethical or legal. At first I thought it was an error. Eventually it was resolved. End of March I was affected by the floods and therefore defaulted on the loan, a month ago I have realised that they have done it again. The tactics used by Nimble Collection Services are suspect. If I owe more than my salary that means I cannot even get credit to consolidate the loan they are collecting. It is a 10 years old loan and even when I offered to settle it, Nimble gave less than 5% discount.