Communicate with them only via certified mail, return reciept requested, and be sure to put the certified# in the body of the letter to prove exactly what you sent. NEVER sign anything sent to a debt collector as they have been known you transfer your signature to other documents.

NEVER make a payment or an agreement to pay with any junk debt buyer or third party debt collector. ALWAYS make them jump through the hoops of the "validation" process.

Finally, if you ever do decide to speak with one of these bottomfeeders, remember it is all about control. YOU have to maintain absolute control when dealing with these freaks. That guy you spoke to was obviously an impotent little man who felt powerful browbeating a woman.