capitol recovery associates harassing me

These people are rediculus. They call and call, and demand that i pay ore than I can. I offered to pay I told themn I would pay 250.00 even though I knew I could not cause they wouldnt let me do lower than that. They called today and siad that I had to pay offered me a settlement offer, and I am broke at the moment. i offered to pay $50.00 he did not want that, and they said today was the last day they could go, that the clients or whatever would not go anymore and that I had to pay something today. I said that I never recieved anything in the mail from them and he gave me my address and said they had sent something, and that so I remember taking out this loan, and I had taken it out last August or so, but got into deep with PD loans so I had to close bank account. BUT I never recieved anything in the mail from these people at all. he said are you trying to say that we are fraudulent i said I am not saying that, I just never got anythuing in the mail from this company.
He said that he would turn me over to an attorny in my area and i would end up paying for court cost and all that. They are in Niagra Falls NY and I am in Arkansas city kansas. What can they do? i have heard that this company is faudulent, but I do owe this PD loan company. I npppwed $90.00 and they are trying to get $492.00!