Already Paid

Arrow Financial came after me years ago when a debt was sold to them. They made an agreement with me over the phone to settle for $2000. I paid them $1000 up front and then made payment arrangements for $101 for the next three months. They told me to call back at the end of the three months to schedule the remaining balance. When I did so, they told me there was no arrangement and I owed approx $3800. At this point I was furious! They then sold my account to someone else, then bought it back, then eventually served me. In the process of it changing hands the balance went up $800 within 3 dyas. When I asked for an explination there was none. They told me they were late fees. After court costs plus the additional $800 minus whatever payments I made in between my balance went up to over $4000. The account has been held with a colletion attorneys office and I will make my last payment this month (March 2011). I have probably paid some where around $10,000 for a credit card that had a $3,500 limit and a balance of less than that. Is there any legal action I can take at this point? I was younger and did not really know my rights when all this started almost 10 years ago. Do I just count this a loss? I did join in the class action lawsuit against Arrow Financial, however I dod not know how that will turn out.