Product: Payday loan, title loan, or personal loan

Back in XX/XX/XXXX, I took out a {XXXX} loan with XXXX XXXX, a payday loan I was pre-approved for through the mail ( with a high interest ). I took it out solely to pay for my XXXX for XXXX. Everything was legitimate with them, up until I could n't make the last few payments due to XXXX funds being immediately requested in order to get my XXXX 's. So XXXX charged me off after three months, and I assumed I 'd eventually get a letter IN THE MAIL about where my account was charged off to, and who I 'd pay. 

Well, I got nothing in the physical mail. I ca n't be clear enough that I received nothing in the mail. Instead, my mom, my sister, and I ALL get a call from someone by the name of XXXX XXXX - stating ( in a threatening tone ) that he was scheduled to come to my home, my sister 's apartment, and place of employment with legal documents for me to sign on XX/XX/XXXX. So I called the number provided to me in the voicemail. The caller ID was " unknown '' but the number they gave me ( and my mom and sister )  was XXXX. I called, and someone immediately picks up. XXXX is apparently my " case manager. '' He comes off nice, but firm about the fact that they need the money up front ( {XXXX ), or they will be taking me to court and pursue litigation processes within the same day if I did n't pay. At the end of the day, I told him that I refuse to pay that amount, or even the settlement offers they got approved until I got something PHYSICAL in the mail, stating that this is the company that XXXX XXXX  has charged me of to. That was the right thing to request, correct? He sent me an email with this " letter, '' and it did n't even have MY physical address on it. It states, " unknown. '' It came off extremely fishy to me - anyone can just send a letter in the email. Their website does n't even work! 

XXXX 

He said that he requested this letter to be physically sent to me, which takes up to 10 days in the regular mail. By then, he says that it will be " too late. '' to do anything about it. I 've never heard such a thing! And especially being from XXXX XXXX, Florida,  my whole family and I were experiencing financial and property damage due to Hurricane Irma. I explained this to him, and he brushed it off. " Oh, I know. '' Very fishy to me. 

My goal is to pay off this debt, even if it is {$XXXX}. But I want to make sure I 'm paying the RIGHT people, and I need assistance in do-able payments. I 'm only a XXXX worker at the moment, fresh out of XXXX, and a recent hurricane storm experiencer, so money is extremely tight - and my XXXX is sky high. Please assist me, and tell me who I 'm supposed to pay, how much, and when. And I want to know if this person that keeps threatening me is actually legally allowed to go to my place of work. Because I work in a place with XXXX XXXX, I do n't need anyone with that kind of tone near them. And I also want to know if XXXX XXXX XXXX XXXX is a legitimate debt collector. I ca n't find any reviews on them online, expect a taken down site and plenty of " scam '' warnings. I may have taken out a loan that I should n't have, but I 've learned now to look for warnings signs with debt collectors that are actually scams.