951-271-4870 scam or not?

I got a call from them and they used a scare tactic to get me to make a partial partial payment from an old account opened 7 years ago. My husband looked into them, and found a bunch of things stating they were a scam. Now we stoped the second check from being processed, but the colletor took all of our information over the phone (account number routing number. yes i know dumb mistake) but with the 2nd check being stoped will that still stop the payment from going through, or will it go through anyway because its electronic? And is this company a scam, JDI and Associates LLC. or will I get sued for not paying in full? the SOL was up five years, ago but if they are legit did I just reopen the SOL?