please.go away.the only part of your idiocy humanoid that's right is the last part.we do have rights and exercise them.btw icollect is not licensed therefore they are a bottomfeeder meaning hey have no right to contact much less collect a thing as just about all internet loans are illegal,and an ACH debit is not a check.last thing your scenario in which you paid the 600.00 well then you are a sucker as unless you borrowed 600.00 and nothing was debited you didn't owe 600.00.so i'm happy to shoot you down as i don't advise just paying a piece of pdl collector garbage without something in writing first and only what is truly owed.not what an unarrested criminal on the phone says i owe.