Hello there I recently received a call from Barnes Givenski, a law firm in Georgia claiming to represent a collection agency that had been harassing me for over a year about a loan from Web Payday from 2007. To my knowledge i paid this off but i can only find the emails that I had sent to Web Payday way back then. I no longer have the bank account i would have used to make a payment. Anyway-I asked that the "arbitrator" send me written documentation about what I owe. I received an email that said they would be willing to extend payments to avoid arbitration and did not even include the amount of $407 that was mentioned on the phone. Don't I have a right to receive a letter in the mail about this debt if it is legitimate? I'm not sure how to respond to them via email. The harassing phone calls have not started yet, but I am considering blocking their number from my phone. I'm sure they will call me from another one eventually though. Can I send a demand letter of sorts via email?
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