I have been getting emails from a debt collector telling me to pay $250. I send them an email stating that I will not pay the debt until I receive a letter explaining the debt in full. A few days later he sent me another email stating the debt. I send another email stating that I want a letter and now he is saying that I am refusing the pay back the loan. I am not refusing, I just want a letter explaining it all to me. I live in PA...legally does he have to send me a letter if I am requesting one?