what is law regarding intrest that can be added in debt collection on acct. in state of VA?

Puzzld D asked:


My husband and I have a Direct Merchants Account that was sold/transferred. Zenta limited is collecting this account I recently recieved our credit reports and the amount we have listed owed is a lot less than the amount they say we owe, (theirs is approx.4000.00 more ) 8970.00 been the same amount on credit report for 4 years, they are charging us over 200.00 per month in intrest even tho I worked out a settlement with someone in the company who said once we started paying on the account the intrest would stop. and now he is no longer to be found every time I call they say he is working a different shift. We still haven’t recieved a letter stating the settlement amout, I have talked with aleast 10 different peeps and get a different amout every time, we have been paying faithfully for over a year now, we were both injured in accident and have since both been perm disabled from the accident, anyone have any suggestions?