Complaint Review: Rosenthal Stein and Associates LLC

I have been receiving harrassing, threatening calls from this company for two weeks now. Today they threatened me with contacting the local law enforcement to because I wrote a fraudulent check with a payday loan over 3yrs ago. I have no idea who they are and the last company who offered me a payday loan I refused but they still deposited the money in my overdrawn checking account, overdrawing it more up to $16oo.oo.

The first time I spoke with an agent who said she worked for a law firm but she couldnt tell who she was representing. She was very rude and disrespectful telling me I need to call and try to borrow the money from someone and kept trying to get me to pay something if not all of the 700.00 that they claimed I owed. She acted as if she were putting me on hold to send an instant message to the company who sold their account to them, then she came back and said if you give us $70.00 today we can freeze the account but you will have to come up with $150.00 dollars by April 15, 2011; she contacted me on March 28, 2011. I argued back and forth with her asking for something in writing stating this is not fraudulent. She threatened me so much.

Today April 08, 2011 another agent calls me again by the name of Chambers and tells me again that they are pursuing a lawsuit against me and if I didnt pay something they were going to have me arrested for check fraud and that Florida law is not lenient on this type of charge. I have been terrified of them and this whole situation. I havent been able to sleep. I dont want to go to jail so I actually gave them my card information and paid them $30.00 towards. She asked me for the toll free number on the back of the card, this was around 1:00 in the afternoon. She processed the payment said I would have to take care of this in 2months. I checked my account later and they had been calling making balance inquiries on my account several times right after we talked. I dont think that is legal. They actually used my info and accessed my account when they were only suppose to process the payment. I don't know if this is legal or not but I am worried. What should I do?