Taylor James & Associates/Whistler Holding

Hi--I am new to this forum and just ran across your discussion board while looking up Taylor james & Associates on the internet. I received a call from them the other day. After 4 tries at calling back an Andrew Edwards, I finally got the chance to talk to him today. He says that I defaulted on a $200 internet loan from Whistler Holding. I asked if he could please send me something in writing that proves that this debt is mine. He said that Whistler Holding says they have already sent me that letter--back in April (i don't recall getting something like that, nor do I probably still have it) . He said he could not send me another letter. Also, he said they are prepared to issue to complaints against me with the courts. Basically, one is for issuance of a check without intent to pay (or something like that) and misappropriation of United States funds ( or something similar). He also told me that it is too late to make payments on this debt and he is demanding that I pay $479.80 by December 15. (Thursday). Any advice as to what I should do? I was very calm on the phone and asked what would happen if I fail to pay by 12/15 and he said at that point Whistler Holding would be taking legal action against me.