National Money Store/AS & Associates

So today, I'm home with a sick child & I get 3 frantic phone calls from my 96 year old grandmother. Apparently, she had received a phone call from "David Bernstein" at 866-331-6161x 211. He said that it was very important that she tell me to call him immediately about a "problem that was going to have to be taken care of by 11am on Friday."

So I call this guy, and he answers the phone "Detective" but "catches" himself in the middle of the word so only says detec...this is David Bernstein. So I tell him who I am and that I'm returning his call. He says he is calling me from the "Check Fraud Division" of A S & Associates. Says that his firm has been hired by the National Money Store because of a PDL that I commited fraud on.

He went on to tell me that I owe them $1135 per their records and that they have asked him to prosecute. If I do not pay them at least $567.50 plus $22.70 in "legal processing fees" by Friday at 12 noon (I questioned the time zone and he said "Oh yeah...that is noon central time so you have til 1pm eastern time ) they will put in a request to prosecute and come to my work and serve a warrant for my arrest.

I questioned him on the amount due and he told me that there were 7 attempted ACH withdrawals that were declined by my bank (because I put a stop on all ACH's.) and that they would be $30 each. He then said that I had originally borrowed $500 and made one carryover payment. (He didn't know the amount and I haven't looked it up yet.) I said...well, that totals only $710 and you are telling me that I owe them $1135?? What are the other amounts? I assume there is SOME interest in there, which I would acknowledge, but not THAT much. Per his records, the $500 was credited to my account on 12/29/08. He said they tried to debit my account for $116.66, $141.66, $500, $116.66, $283.83, and $47.22...so I owe all of these amounts too! I advised him that these amounts do NOT add up. He couldn't give me an explanation, nor could he give me a phone number for the National Money Store but told me that they are in Houston, Texas and I could look them up on directory assistance.

The way we left it was that I was going to come up with $567.50 by Friday and call him back with a credit card number.

He also said that I would be charged with a class B misdemeanor and that they could not garnish my wages in the state of Florida unless they could prove I had a second form of income...which I don't.

So my question is....what do I do now? Where do I start? I've read a little and realize that they may not be justified in what they are saying and that I am probably NOT going to go to jail over this, but what are my rights? And what are their rights?

Like I said, I'm in Florida. I could use any help that anyone could offer because I also have the following PDL loans out (all of my PDL's are internet..no storefront...):

Ok..I was going to post a nice list here of all of the loans, but I can't even find the list right now.

I know that I DO have loans with:Geneva/Roth, Sagamore, Vince Enterprises, CMG Group, and Sandpoint Capital. I think all together I have 11. I KNOW..ABSOLUTELY RIDICULOUS!!!

I apprecaite any help that anyone can offer.

Thanks!
Vicki