Internet Payday Loan Collections Question

1 1/2 years ago, my husband and I made a BAD decision and took out several internet payday loans. Anyways, I got them all stopped, closed the checking account, and filed a complaint on all of them with BBB, Dept of Banking, and Attorney Generals office. They are all illegel in the state of Pennsylvania.

We begun getting some very harrassing phone calls, but, changed our telephone number. Just recently, we begun getting them again. This time, in particular, I received one from a "private caller" to contact this number 877-644-7599 (googled it and it said Legal Financial Solutions out of CA) and then we had to call this number to confirm our address because they were going to summons us to go to court over unpaid debt. The guy called one minute, left a message, and called 4 times again later!! Now, he called my neighbor, work of employment (which my last employment - the collection agency got me fired from), family and friends.

1) How do I know if it an legite collections agency? We do owe on some credit card bills.

2) How do I stop it!

Thanks