Debt Collector Harrassment

My name is Aniedra from Desert Hot Springs,CA. And back in November 2006 I had some fraudlent charges from another company which left my closed checking account with Bank of America with several NSF Fees plus the amount the other company withdrawn from my account without my permission. And the final outcome of matter is that I did not get my money back nor the NSF charges put back into my account. So Mr. Ron Reynolds from Westbury Ventures based out of Henderson,NV. And he was very nasty to me and he stated that I was ignorant and he was yelling at me. I read about the Fair Debt Collector Practice Act laws. And he step way of your of duty as a suppose to be Bad Check Recovery Supervisor. I called back and ask to speak with his supervisor. And his name Joe, no last name was given. All Joe did was transfer my call back to Mr. Ron Reynolds. Mr.Reynolds contact number is 1-800-757-0122 Ext#238. I try to explain to Mr. Reynolds that I was not trying to Defraud his company in anyway. I just needs a little more time to come up with the money. He stated that he was going to file criminal charges against me. And after his is done with me. I will be owing his company $4676.00. I just wanted someone to email me back to let me know what steps to take with this company. Thank You