PDM Collections

Ok, I need help proceeding with a payday loan company that has supposedly "sent me to a third party collection company." I initially had a loan with VIP loan shop in jan of 2009. I made their payments until I got in a rut and found out they were illegal in my state, Indiana. With all the payments I made to them I had paid them back the principle plus a little more. I went through the whole process with them as advised in this forum. Letters, certified copies, closed my bank accounts. I had not heard from them until this month, over a year and half later. Well now this PMD (third party collection) harrassing me. I got them to call me at work where I would have a recording of the conversation because I work for the Sheriff of my county. That didn't phase them, only made her more mad. I stayed calm and made my requests again for contact in writing and a validation of debt. She faxed me some worthless letter that did not outline any thing to do with my loan. It was basically a request for payment and offered me a settlement for "X" amount. She also stated they were contacting my employer for wage assignment tomorrow. Now this is where I'm starting to get freaked out. I never sent out a wage refusal and in some posts I read regarding this company some people have acctually failed and the company won. Who do I deal with at this point? VIP Loan or PDM? What documents or requests do I send again?