Don't ever use internet PDL service, only brick and mortar. If anybody threatens you with something as inane as the Martha Stewart/Patriot Act, tell them to shove it up their arse, they aren't taking you to court or having you arrested...they just want you to keep paying insane interest payments every two weeks. When they take that money out it is only interest, you are never paying on the principal unless you pay the full amount plus the interest payment for that one week or 2 week period.
I have bad credit and had collection agencies calling me before threatening me and telling me I was gonna be sued etc, I told them all to kiss my ass. I was never in big debt, just 500 here 1000 there after I was laid off and couldn't keep up. It's all disappeared from my credit report over the years and I never paid anything.
Don't ever give access to your accounts. EVER.