Help2

I took out a pdl a long time ago. At tbe time I was working in AZ but my residence is in NM, I piad their intrest chatge through automatic debit every 2 weeks paying them back far mor than I borrowed. I recieved a call from Alliance Solutions claiming to represent kenwood services and tjey want to settle out of court for a certain amount. The rep "Jeramiah Cole" said I would be taken to court if I didnt pay the amoynt of settlement that day and they would tack on $1500 in court fee's as well as holde responsible for all the back I.trest. I had to close my account due to the pdl insufficient funds and all the charges from my back for having insufficient funds. What can I do?