EME using legal/collection agency .... question

Question for you please! I kept getting this call from a very intimidating man leaving messages all week long so I thought i'd call back and see if it was an old credit card or something. Turns out he says he is calling about a 2008 payday loan from EME my husband took out and they put the check through and it was insufficient funds. That was over 2 years ago! We remember doing an internet loan during christmas time but seriously cant remember if it was bounced or if we paid it. It may have bounced but we just cant remember. So.... I talked to this man and said I needed time to call my bank, check statments and that if it did bounce we will work with him and pay it back. It was a $300 loan, he says they want $1200!!! i told him hes crazy, we just cant afford that so he came up with this hardship thing and said it was our lucky day, we could pay $600 before noon the next day or $400 before noon the next day with $100 monthly until $1200 is paid off! I wasnt rude so I think that helped because he never got nasty. The only time he got kinda pissy was when I said we needed till the end of month to figure this all out and make payment arrangment. He then said he will have to take that as a refusal to pay and download my husbands info tonight into Legal and that check fraud and false information will be used to charge him with. At this time I did not know that its not crimial punishment in florida so at that time i got kinda nervous... now from what I have read, i see its not a criminal issue, more a civil one. so feel better about that. But he then started asking me questions about our jobs, our supervisors names and i didnt give him any info. He then asked if my hubby has any arrests or felonies and stuff like he was trying to scare me. He kept telling me he is trying to treat me with dignity and respect and jsut wants to take care of the matter. He was from Legal Business Enterprises LLC. JP roberts was his name.

So here is my questions.... i looked up his business in the florida licesnce database and his is valid. Its a collections agency looks like it was established in June 2010. Then I looked up EME and I cant find it registred in Florida. I called the phone number i found for EME and the girl said they dont have to be licenses in Florida for me to get a pay day loan. She said they are licesned through the "world wide web" and when I said, no you actually have to be licensed by states, she said they are licscensed in Nebis Bahamas.

so.... i read that the collection agency and the paday loan can only collect if they are licensed in your state, is that true? And what about my case..... they collection agnecy is licensed but not the payday loan. JP Roberts guy said they bought the loan from EME so does that make it his loan now and they can still collect?

If we bounced the check and still owe i have no problem paying back with a fair arrangment, but not $1200!!

FYI... this guy was not from india. He is based in Jacksonville florida.

Thanks for any help or advice.