Anyone who has any sense whatsoever always asks for documentation. It is entirely possible that you don't owe these slime one red cent. Their employees can threaten and bluster all they want to, but it is more likely than not that they have no documentation to back up their assertions and just want to make a quick buck at your expense. No thanks. This is what I say to collectors, "If I in fact owe a debt and it is not past the SOL, you will provide me the documentation necessary to back your claims or I will consider this an extortion attempt and respond accordingly where you will be forced to comply by a judge. " Then, send a debt validation letter, samples abound on the internet for the legal terminology. Chances are very good that you will never hear from them again, since they have nothing to back up their claims. I would never, ever under any circumstances provide banking information to these slime balls as they will not hesitate to clean out your account of every dime, even if they have no right to do so by a court order. Pay with a money order, this way they cannot "wash" the check to put in any amount they want to take you for. Money orders cannot be altered in any. In short, trust no one that is outside your town where you are known . This representative had no right to berate your character like that and should be held accountable. Contact the BBB, even though it may be useless as businesses have to pay dues to be listed, the FTC, Attorney Generals in all states where they have offices plus your own state Attorney General. If all else fails, sue them in court for FDCPA violations and collect a tidy sum.