$200 late fee on a $65 payment: Is it valid?

i recently lost my job and have been living off of unemployment. after a month or two i couldnt make a payment because i didnt have it. along with rent and had to move out. twenty days or so later after due date of 65 dollar payment i recieved a bill or notice stating that i had already recieved $190 in late fees on top of my existing total due. i am now into the second month late and still dont really dont have enough still. i wanted to make sure it is legal for them to do that. i remember agreeing to 65 dollars a month but dont recall much about fees especially to that extent which exceeds the total due per month just dont seem fair even as a contract. yet everything ive done with them has been verbal phone calls for dispute wich they removed a bill but im not sure were it was applied to. what can i do to stop this financial burden from making itself worse and more than original monthly agreement. plus all i get when i make a payment in person is a reciept with no total or anything so i havent a clue whats been applied where. anyways i would appreciate it greatly if you could help me take the right action here because i havent a clue what to do if i dont have the payment then their fees are costing me in fees in two months than ive payed in total in four to six months Thank you jeffrey stinson
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