American Reading Club They threatened me with criminal charges,because I stopped them from stealing my money. I haven't received any reading material from these people and yet they claim I owe them money. Oklahoma City, Oklahoma

I haven't received anything for my money. I am getting calls saying they are going to garnish my check and turn me into the DA for theft charges. When I try to call them back they say the guy is not available to speak to me. They are mad because the agreement over the phone was the would send me a monthly bill by mail and the payments would be by mail, not out my account except for the first payment. I closed out my account after the first payment was taken out thinking I would pay by mail after that. The company hit my account and got declined so the threats astarted by leaving voicemails.  I have not received anything for my money and now facing possiable charges and loss of money out of my weekly check . What do I do now?