My question involves collection proceedings in the State of: MA
My boyfriend received a phone call from a company called Nelson Watson and Associates demanding payment for a Capitol One debt of $1200. We advised them that we do want to take care of the debt, but due to financial constraints and the fact that I am pregnant and completely dependent on my boyfriend for financial support, we could only afford to pay $50.00 a month until we got his tax return back, and then we would repay the balance in full. They refused, and countered with three other options - all of which were impossible in our situation, a concern we relayed to the representative. They told us that to avoid "legal action" they needed a payment by that Friday. We were scared and felt cornered, so I gave them my bank account number and routing number so they could take money out that Friday. I then decided to research them and found out they have a shady reputation and a C- rating with the BBB. After finding this out and reading incidents that happened to other people, I closed the account before they could take out the funds - fearing that they would overdraw my account, incurring overdraft fees for me. Is there anything we can do to settle this in a way that won't force us to file for bankruptcy? Is the harassment we received to solicit the post-dated check legal? Am I liable for NSF charges by them?