Product: Debt collection

I received a phone call on Tuesday, XXXX from a XXXX XXXX XXXX XXXX ) XXXX of XXXX - company name was hard to understand - stating that I needed to call XXXX by end of business day on Wednesday, XXXX & reference file # XXXX & SS # regarding a fraud claim. I received a VM on XXXX from XXXX XXXX @ XXXX XXXX ) XXXX ( id as wireless caller ) stating that since I did n't call that my employer & county clerk would be notified of pre-litigation for XXXX fraud claims & that I needed to have valid ID available for the service process at & he gave my home address on the VM. I notified the local PD and spoke to an XXXX XXXX and explained the above. He obtained the phone numbers and contacted XXXX XXXX and spoke with a XXXX XXXX manager ) of which he was told that this was for a debt that I owed of which they had recorded conversations stating that I would pay. The officer contacted me back and suggested that I call them in an attempt to resolve. I called XXXX XXXXXXXX XXXX and XXXX XXXX XXXX answered the call as " XXXX. '' He told me that this was debt for {$940.00} for XXXX XXXX XXXX. I let him know that I paid this debt from XXXX - XX/XX/XXXX in the amount of {$340.00} thru a settlement offer agreed on by myself and XXXX XXXX manager at XXXX XXXX XXXX. The original amount owed was {$450.00}. After I paid the agreed upon amount the settlement was not honored because at that time they stated that I still owed an additional {$540.00} and she would be back in touch to let me know how it would be handled. I did n't hear back from XXXX XXXX. At that time, I ask if this debt could be paid on a settlement and he said yes @ {$650.00} but he would need half that day by debit or credit card over the phone only. I could not pay that so the amount owed would be {$940.00} in payments. The only method of payment accepted was debit/credit card over the phone. I offered to send a cashier 's check, money order or bill pay and he stated no that was n't acceptable because they were accepting payment on the client 's terms. I gave my debit card information and setup a payment plan of {$140.00} on XXXX, 5 payments of {$150.00} every XXXX weeks after that and {$50.00} for the last payment on XXXX. I asked for the address and phone number of the company which he gave as National Check Recovery, XXXX. XXXX, XXXX, GA XXXX. He also stated he would be sending me emails that would be a validation of debt letter XXXX to my knowledge I have not received anything from this company ) and a cease & desist pertaining to the service process. I did not receive any emails. Also, he stated that claims were for breach of contract and check fraud. On XXXX, I received a letter from National Check Resolution, same address. On XXXX I contacted XXXX XXXX XXXX a benefit thru my employer XXXX & spoke with someone from their legal department about this & was put in touch with an attorney who deals with collections issues. I spoke with an attorney on XXXX. After letting him know the above situation, he advised me to cancel my debit card, not to take any further calls from this company and not to send any money to them due to their collection practices. He also advised that I send a letter requesting validation of the debt, the opportunity to dispute the debt and to stop all phone contact to me or any third party. My parents were XXXX contacted as well as my home number and cell phone. Also, I sent a letter certified mail, return receipt requested on XX/XX/XXXX On XXXX I received a call from a XXXX XXXX from NCR with the message that the form of payment had failed and that I would need to contact them prior to end of business day on Monday, XXXX in order to be able to resolve this matter thru a payment plan and avoid litigation.