payday loan confusion

Last year we defaulted on 2 paydayloan companies. I found these boards and got some really good help so far. Check n go is one of the loans that defaulted. We had other hardships and had to let it go. I know you have to paybills, but like i said certain things happened we had no option but to default on them. Well, check n go sold our debt to another third party collection agency. It is called Vision Credit solutions. They harassed us and called me names on the phone.

They lied about the original debt when they call it said it was for a bad check and that they had my husband's SSN# on file issued with the bad check. We never wrote a check when we got the payday loan, loan was just issued with terms. Joe strauss urged us to call was not a human recording, was one of those voice recordings. Anyways, he said if u don't call we're gonna law suit you etc. So i called them that's when he started calling me a bitch wouldn't let me make payment arrangements insisted on my bank account number which i didn't give him. I filed complaints with the FTC and the other fair debt act. Now I'm still getting phone calls from an indian accent guy says wish me best of luck, my husband's name was used he said you do NOT ignore this phone call or wrath shall come on you.

Since I've filed the complaints with the FTC, BBB and fair debt act I recently found out the debt went back to Check N Go. Before they sold the debt to VCS they said no further contact is allowed to Check N go. Now they send the bill back to check N Go i don't know if VCS got in trouble but I want to know can this be done? if VCS did send the bill back to Check N go, and im still getting harrassing phone calls what are my rights? I'm still going to attempt to make arrangements with check n go but if they violate the act one more time I'm having my attorney sue for illegal debt collection. Any information is greatly appreciated. Also is check n go legal to payday loans in Ohio? Thanks.