Consumer complaint: I received a harassing and thearting call on XX/XX/XXXX from a female stating she 's from XXXX XXXX company and her firm has been hired to collect a debt of {$730.00} and we could make a payment arrangement of {$120.00} for 6mths XXXX payment due by XX/XX/XXXX or they will be meeting with a judge in 2 days to issue a Body of Attachment on me and have the XXXX put me in jail until on this account, stating the account was fraud. I then ask her when did this supposed debt occurred, she stated in XX/XX/XXXX. I informed her I paid off this debt so I have no knowledge of what you 're talking about ; she stated do n't worry the XXXX will pick me up and inform me. I ask her if she could seen me some information on her company so I could look this business up on the XXXX because I 've been receiving numerous scam calls about accounts I 've paid off/or never heard of ; and I also told her I could n't pay {$120.00} by XX/XX/XXXX due to the fact I 'm currently not working on medical leave and not receiving any financial assistance. She said they will be forward my information over to the judge to issue out the Body of Attachment Order and then hung up. So I then call back hysterical crying because I never been to jail or threatening like this before and I did n't know what to do cause I do n't know anything about this debt or have money to pay debt, let alone pay for bail ; so this time a guy by the name of XXXX XXXX answered and I explain everything that happen on my previous call to him, and he responded basically the same way as the other lady saying yea they 'll be going to a judge in 2 days to get this Body of Attachment on me. So he offered me the same payment option of {$120.00} for 6mths, but then included a XXXX processing fee each month totaling {$130.00} for 6mths XXXX payment due on XX/XX/XXXX. XXXX XXXX ask me for my card info, I stated to him I do n't have bank card I 'll have to go to XXXX and get a prepaid visa ; he said ok call me back with the card info. I stated, but first can you email me information stating who/what I owe and information on your company XXXX XXXX ; he said yes he 'll send that right to me. I called back about XXXX hrs later asking for XXXX XXXX, the lady answered stating his in a meeting scheduling he hearing for court for my Body of Attachment then she said hold XXXX moment here he is. XXXX XXXX came to the phone and said ok XXXX XXXX can I have the visa info. I stated yea but I have n't receive the email I requesting about information regarding your company so I could make sure your business is n't a scam ; he then hung up on me. I called back the lady answered again threatening me again stating it 's to late they 're getting ready to submit the request for a hearing with the judge, I then got scared and agreed to set up {$120.00} plus {$10.00} ( processing fee ) totaling {$130.00} so I would n't go jail. I ask her would they send me the info I request I got this email from the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX PH : XXXX XXXX, XXXXRe : Original Creditor : XXXX Creditor : XXXX XXXX # : XXXXFile No. : XXXXSSN : XXXXXXXXPlease be advised that our office has agreed for you to bring your delinquent account to a close. 
Per your conversation XX/XX/XXXX with the attorneys we hired, you have agreed to pay the full balance in payments. You agreed to make XXXX ( XXXX ) payments in the amount of {$130.00} monthly starting XX/XX/XXXX. The XXXX XXXX payments have be done via debit card. Please contact us when the new card info comes in as the card you gave us expires XX/XX/XXXX. 
Once we are in receipt of the full amount and funds have cleared, the Trade Line on your Credit Report will be updated. If funds are charged back this letter will be null and void and the Trade Line will be replaced back on your credit report. Federal law requires we notify you that this comFede 

Company response: Company disputes the facts presented in the complaint