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Just recently a debt collector starting calling my job for an unpaid pay day loan that was made 6 years ago in when I used to live in Arizona. I live in Hawaii now and I want to pay them back but I don't want to give my credit card info over the phone. I've asked them to send me a letter and they said they are not able to, the only type of payment would be over the phone. They also said if I dont call them back, they will send the DA and have me pay not $500 but $3000 for court fees and double the amount of my actual loan. What can I do about this?