National Magazine Exchange ripoff Lied to me saying that by giving them my Visa number I was verifying my entry in the sweepstakes Clearwater Florida

My story is simple...
I called to be entered into the "million dollar sweepstakes" (is there even one?) and upon being asked several questions, before I knew it the sales person I was speaking to was transferring me to her manager to "verify" my entry in the sweepstakes.

The manager who got onto the phone next told me she needed my visa card account number to verify that I was indeed a cardholder. This is when I tried to end the call by saying, "Oh, actually I didn't know this involved any sort of payment. My card is maxxed out and I can't even use it right now, but thank you anyway."

Immediately the manager said, "Oh but there isn't actually going to be any charges to the card, again, this is just to verify you are actually a cardholder.

A few days later I had a $100 something charge on my Visa which caused me to go over my credit limit and get charged an additional $35. I immediately called National Scam Exchange in tears and talked to a guy who told me he could get the charge off my credit card but that he'd then immediately need another form of payment---like a check-by-phone. I reluctantly agreed.

Now I have a letter sitting in front of me from NSA or North Shore Agency Inc for $184.44. I make $9/hour and don't have $185 bucks to pay for something I NEVER ORDERED. What's more, is when I called NME to ask them why I was sent to a collection agency, the guy on the phone told me I only owed them $152. So where did North Shore get $184.44???

Please advise me! How do I get these people to leave me alone? Do I have to pay them? Does the Credit Bureau take into consideration that this company uses unethical business tactics to rope people into buying things they didn't agree to and therefore it won't hurt your credit as much if NME appears as a "collection account" on your credit report?

I am so upset with myself that I made that call in the first place and now somehow owe these people money. I'm worried that my credit is in jeopardy if I don't pay; and I'm also worried that they have information on me that could aid them in charging me even more money.

Could someone please contact me with some information?

Marie
St.Paul, Minnesota
U.S.A.