National alliance assoc co NASC Stole money from a single mom Onterio, California

These people called me back in March 2012, because I do owe money to a couple old credit card accounts. I listened to this mr. Williams harass me for 30 min. I explained that I was a single mother and cannot afford to pay the entire bill but I would make payments, he replied telling me I was a horrible mother and my kids would turn out bad because I can't pay my bills and he would see that I never own a house or anything of value.

After hanging up on him and crying , I called back and spoke to someone else, I was terrified I would get a judgement put on me so I offered payments.

We settled on an amount an I was to pay 50.00 a month. I tried to call them in oct because they had not taken out a payment and wanted to discuss lowering my payment for a few months because we had to move. I tried every phone number and they were all busy , I tried several times over the past several months and their phone number always has a busy signal, but they did take payment for nov and dec ! So this month they didn't take out the my payment, so I called again. Busy signals again... So I looked on line for this company and found out it is not a real company!!!!! I have been scammed ... :(. I called to cancel my card just in case they try again. I hate them! Karmas a b$*#c!!!

So now, how do I find out who is real and who is not ??