Active Periodicals, Inc. I have had enough of this money digging scam!! Deerfield Beach, Florida

I remember it was last year in July of 2008. I was an 18-year old who just graduated out of high school. They called me up and told me so many pleasant things about sending me a diamond watch and entered to win $100,000. I was very gullable..maybe I still am. I am just a kid who just started out her live. Well I don't remember much but they kind of changed the subject and talked about how a woman doesn't give up her diamond to anyone, because I told the person I was talking to that I would like to give the diamond watch to my boyfriend. Then he went on asking for my credit card number, and I gave it to him. After all the talking, he wished me a happy day with my boyfriend. After I have hung up, I thought...oh I did something very wrong by giving him my card number, but I thought I would cancel the account once they call back again.
Around fall or winter of 2008, a woman called me about the active periodical magazines and asked me to pay. I told her that I wanted to cancel the order and she could charge me on whatever they have sent me. She said "sorry but you have an agreement of 5 years contract with us." I was shocked to hear the news and I said "I don't remember saying or hearing anything about a contract over the PHONE!!" and then the lady said that she has a recorded tape of the agreement. It was very disappointed of myself for falling into this scam. I didn't want my credit to be ruin, afterall, I just started out with life. I was making pretty decent money back then so I have agreed to pay.
Again in late September 2009, a man called me up and asked if I would like to pay all of my magazine bill in a big lump sum of money so he could give me 10% discount on that payment and I could recieve my magazines without having to worry about the rest of the payments. So I agreed because of the 10% discount. He said that he would make 2 drafts out of my card in 2 different months and my total pay would be $600 something. So I agreed on that. I thought of this as a charity to make myself feel better. After the 2 drafts, they have drafted a total of $754.11, and a few weeks after that, they drafted another $41.90. I didn't notice this $41.90 draft until a Jewish man called me over the phone. He told me that they have recieved the big amount of money that I have payed them and for a way to say thank you, they will reduce my remaining payment down to $41.90. I was very confused and kept asking him to explain it again and again and kept asking him questions. I was thinking "it was $41.90 since the begining!! what the h*ll is this man talking about? and I thought I'm done with all the payments."
Ohh...and I know he is Jewish because he told me so after disgracing my ethnicity by laughing and saying to everyone in the background that "hehe, Chinese people are slow." There were steam coming out of my ears, but my family have taught me to be polite so I didn't say anything rude to the impolite man. He said if I have any questions, I could call this man name Hans Kasino or himself, Ira Rosental at 954-573-1402 . I don't even know if those names exist in the legal system. He had me answered a whole other questions and I have stupidly followed his lead. I guess Chinese people are too nice. After I hung up the phone. I said "that's it!! I have to do something about this." so I went on ripoffreport.com and found many people who have been in the same situation as I am. I know that in my situation, it is too late to get any money back. If there is a way, then I would be happy to receive my money and get help. I guess I didn't seek out help earlier because I felt alone and stupid and I didn't know where to seek for help. I just called and cancelled my card. I don't know what else to do next. Please help me!!!