howard lee schiff money hungry providence, Rhode Island

hi,my name is oscar.im so glad i read up on this,because i was told by these's debt collector that they can raise the interest on the balance.unless i read it wrong and if i please tell me that.and the fact once i made the payment they still can take me to court,now i think that is wrong at least im trying to pay the bill off.can someone tell me where i can find out that the place that was helping us get out of debt close their doors for good.i paid them alot of money and now going threw this thing.thanks a bunch.oscar westerly ri