Terrible balance of my RCS account

Hi, I opened the RCS card and they gave me a credit of R 4500 and unfortunately I went through terrible financial distress couldn't make payment towards my debt, I even went to Game store to tell them that I cant make payment but once I am up and running i'll start making payment, all of the sudden I received call from the attorney saying I am owing them money and need to make proper arrangement and I didn't refuse to make arrangement and I asked how much is outstanding the amount jumped to R 6000 and I told them I am willing to make a payment but the amount in hand I am not going to pay, last month I received another call the amount just to R 7000.00 of which I am not going to pay I asked the consultant that I am only going to pay the amount of R 4500 as per the credit they gave me, I told them to take the amount they have and rectify it to the amount I know I am owing them and from there I can start making and full amount can be paid in 5 months, the stupid thing I was told is that I have been charged for calls and sms, so my question is did I charge you to call my phone that I have charged with my electricity? no and did I asked them to call me? No, this is ridiculers for the institution to make money out of people and they are doing it the wrong way, why didn't my account 1st go to normal collection process? before it can be transferred to the attorneys? I am not going to be charged for people who failed to do the job the 1st time, I am going to pay but only when I get my correct amount to be paid that's is R 4500.00