I've had kinda similar situation with my part received, however I knew that my law knowledge is pretty limited, so I just addressed to a consumer law firm, they helped me to understand what my rights are and what I can do with money I possessed. Btw, they have also given me some consultations while Phoenix Financia
l was terrorizing me with their threats and offensive dialogues... I wasn't really aware of all my rights and how I should proceed in this situation, I was scared and depressed because of permanent abuse. At least, consumer law firms exist to help people in such situations. Now, I'm free from these debts and enjoying life, thanks God!