Your a fool, nobody should pay PN Financial a dime. The company is a fraud, run by a man who is an ex-con.
These facts, The Illinois Attorney General has already sued them in Federal Court, the FBI is on the case as well. Do not pay these [***] clowns a penny!!! If you've been a victim of their fraud, definitely file a report with the Illinois Attorney General...as well as your own state Attorney General, if you don't live in Illinois.
PN Financial & Associates are CON ARTISTS...DON'T PAY THEM A DIME!!!
If they are threatening arrest, curse them out and tell em they are telling a bald-faced lie, because one can be arrested for any private loan/debt unless it has been litigated - - and then, contempt charges have to kick in before any so-called arrest. Don't be intimidated in the least bit. Stand up for yourself! Tell em to go fornicate themselves. Now, on the other hand, right is right and wrong is wrong. If you do owe someone, try to get them to identify the party they represent and then send in some small payments (even if not on a payment plan) to the party you owe - - not to these scumbgags. In fact, just send the money in without speaking with someone in Accounts Receivable who is also going to try to bust your balls. I bet they won't decline the money. Make a budget to include whatever small payment it may be and they will take the money.
DO NOT pay the account. It may not be your debt. These collection agencies do this sort of thing often. I received threatening calls and finally found out the debt wasn't mine, but someone I was related to. I didn't have to pay a dime and the collection agency ended up paying me for the harassment and false claims. So contact an attorney that understands the Fair Debt Collections Act. I could mean money in you pocket. Also, if the debt has been written off, paying it could do more damage to your credit. Check with an attorney first, it could cost you nothing and the calls will stop, especially if its not a debt you recognize.