Alright so now they want a credit card number, and the only credit card I have is expired and I don't plan on using one again. Also though I am almost starting to question if they are valid...I said I could set up a payment plan when I get a bank account which the person seemed to understand then they still asked for a credit number but said they wouldn't charge till later in the month, I guess they will call back later to see if I found a credit card. So I will tell them it is expired and they have to wait...but I wont sit there and be harrassed so if they keep trying to argue I am hanging up and not answering anymore till I get legal advice.

Also I can hardly understand what they say due to a very strong accent, to collections agencies outsource their phone jobs....or am I just unlucky enough to have someone I can't understand calling on the behalf of the collection agency?