Spaylater OD

Hi guys, magask lang sana ako here if merong may same situation or baka may alam dito what to do. So I have 5months OD sa Spaylater pero I can already start paying next month. My dilemma is that it’s already in collections and ayoko sana magbayad ng malaking fees. If kinausap ko ba yung collections about it, may chance kaya na mabawasan nila yung fees/interest?