A year ago I was contacted by a company that said I owed them for a health club bill that was paid. With the help of a family friend I wrote a letter requested validation of debt and they stopped calling. This week I was contacted by XXXX ''. They told me I was going to be served and I should contact XXXX. I called the number and they answered the phone " claims office ''. I was scared so I gave them my credit card information. I then called my dad who told me to cancel the payment because that did n't sound legal so I did. Today I received more calls from XXXX XXXX at " XXXX '' an unknown number who told me they were going to serve me today. I checked the NY XXXX XXXX XXXX website and found no company under this name. I also received a letter from American Credit Resolution. The letter offered me a settlement but never offered my the opportunity to get verification. I believe the company failed to provide me validation of debt. I believe the employees of the XXXX were actually employees of American Credit Resolution. I believe they misrepresented themselves and this was a veiled threat since I thought I was going to be sued.