I contacted the debt buyer who's suing me on a debt, to make a settlement arrangement. They stated that it was company policy that I hand over my bank information and pay them a large installment in order to receive an agreement letter in the mail. I stuck to my guns and plainly told them that I refuse to agree to anything without a contract. They caved and said that they would email the terms to me. So far, they did not. They even said that I had agreed to pay them what they bargained for, trying to put words into my mouth. I didn't lose my composure. They said that they will forward this conversation to the judge. How can I get an agreement from them to settle this debt?