Collections Agency

Well, I guess it has officially begun and I don't mind telling you all that I am a bit scared of the process. Just got a message on my phone from Frontline Recovery Assets Agency? 877-906-8903. I called them back and gave them the file number that they left in the message and the guy on the phone was rude and arguementative. The company they are collecting for is CashYes.com. He gave me the line about since I went on the Internet and electronically signed the document that I was bound by Beliz law. I told him that is not correct and that as a Virginia Resident I am bound by Virginia Law and US law and that I am aware that there is no Federal Law that gives them jurisdiction in this area. He began arguing so I told him I was done talking and hung up. Later I called back and requested a debt validation letter which he stated is being sent out to my address along with a court summons? Don't those get served and not just sent to your home? and why would they take a step of court summons when this is the first contact with the collection company? I want to believe that this is a scare tactic but this is where my foundation needs a little support. Any suggestions? Oh, and he told me that I should get an attorney.