I was contacted today by one of them over a credit card that I had already agreed to make payments on. He told me that he was taking me to court, and that they would soak me dry with court cost. I then asked for his name, and company. He refudes to give any info. I told him that he could take me to court then and hung up. I was rather confused that a creditor would not give the name of their company. After contacting the local police in my area, I looked up who they were online from there phone number. Are they infact "credible" or can I refuse to make payments to them?