Need some advice on how to go about this....

I have two small debts that i have yet to make payment arrangements. One of them is for a Bank One account that went to a collection agency called Unifund which is now at 1300. I tried calling Unifund but I was told my account went to another agency called First Resolutions management. I called them last week and they couldn't find my file and told me to call back the next week because my information might not be in the database. i have not received any letters from them and I'm not sure if I should just wait for them to send me one.

I have also been receiving phone calls from an agency called AR resources, no letters from them either. I believe this might be a bill for an emergency room visit that i wasnt able to pay. They have a website which i found and I can email a representative to find out information on my account.

My question is how do I go about getting these bills resolved (i would like to start making arrangements) when I have not received any letters? should i just send debt validations letters to both places to start with or should i wait until i speak to someone? is it a good idea to communicate via e-mail (w/AR resources)? I'm a little lost and confused, any help would be much appreciated.