Pacific Debt NoteWorld Servicing Center Scam. Did not provide a signed Contract San Diego CA, California

In 2007 I contacted Pacific Debt (after checking them out on the internet) to help settle my debts with credit card companies of $15,496.83.  I was told it would cost me $275 a month and it would take about 4 years to clear my indebtedness.  I was faxed a Power of Attorney and furnished letters for me to send cerified to all creditors.  All debts have been settled (I thought) except for one to Discovercard in amount of $1,810.03.
When I called Pacific Debt, they said I didn't have enough money in my escrow account to negotiate for a settlement (I had $497 in my account).  They said I would need to put about $500 in my account to begin negotiations.  They also advised that I still owed them $2,279.64 in back settlement fees.  They said that I was under a signed contract.  I did not have a copy of the signed contract and they emiled it to me. Upon reviewing what they sent to me, I found that I never received this contract.  The contract is not signed by me; it is a typed signature element.  I never received this contract (unsigned).  They said I agreed to pay 30% of the settled debts.  I kept every piece of paper they ever sent to me.  There is no contract among them.  They stated they telephoned me to get me to agree with the contract, but they could not produce the phone call or a copy of it.  I requested a copy of my account from NoteWorld Service Center and found they withdrew $479 from my escrow account for back settlement fees.  This withdrawal from my account left me a zero balance.  I called Pacific Debt requesting they not withdraw any funds from my checking account for June, July, August 2011 until this matter is straightened out.
I need the $275 they continually withdraw to pay for many health care needs regarding a recent hospitalization for a heart attack, pending back surgery, several strokes I have had in the past.  I feel I have been ripped off by this company and Noteworld Serving Center and I am trying hard to get my indebtediness settled, but I am owing more money than I can afford to pay them.  I think these companies are a scam to get money from those who live across the country because it is their word against mine.  I feel my unsigned contract is not a contract at all and is illegal.