Caller says he is from DCA - name is Eric - very rude - I found DCA online & emailed them with the reference # provided.  Says I owe for an outstanding payday loan - my bank account had been closed therefore it wasn't paid back.  I asked to settle for 1/2 of the payment owed, and they declined.  Says I have until next week to pay or the office has further action to take, to finalize or letigate????  Not sure what they can do from here...would it go to another collections agency?  I asked that they not call me at work, and they said no, that they would keep calling me.  I am a single family income paying off quite a few bills, and supporting myself...what can I do to get them to settle?