My Original Creditor: Chase Manhattan Bank, account was turned over to collection agency, Law Office Joe Pezzuto, LLC the amount original owed $1, 500. on this amount which is now paid off and my interest due was over 3, 000. Requested to have my monthly payments reduced from $125.00 per month to 62.50 per month. I was informed at the original time of the arrigement in the furture I would be able to have my payments reduced which turned out to be a lie. I now have an outstanding balance of $1, 474.98 which is the interest due only. Please advise.