I am pretty sure I have over paid them

So far I paid them 3 renewal fees of $75.00. Then it went to collections and they took out an additional payment of $90.00 before I closed my account. My original loan amount was $300.00

Send the CA a validation letter from cajunbulldogs page. It requires them to tell you all the payments you made and states the court case where this determined. Once they give you that info, which they probably won't, then you will have them. At that point explain the laws of Florida. A CA can't sue you as you did not borrow the money from them. They can't garnish your salary as you live in Florida and can claim head of houshold status. All they can do id report to the credit bureau information that is false and harrass you until you give in. When you send the validation also add a cease and desist paragraph to keep them from calling you. They will then sell you to someone else and the whole process will start all over again. I have sent VLs to two CAs and it has benn almost a month and no validation yet. Just so you know it is virtually impossible for a CA to collect in Florida if you don't allow it. A credit card company is a different story. They can and will sue you.

I definitely don't want them to report me to the credit bureaus. My credit is not good as it is and I don't want a collection on there.