Rubin And Rothman froze my bank account, while I was making payments to them, and they were accepting them anyway. Islandia New York

The golden rule with any law firm is to always DEMAND VALIDATION in writing (with return receipt requested) when they initially give you their first dunning letter. In all initial communication from a law firm governed by the FDCPA, they must indicate in writing you have a 30 day window to dispute the debt. I can only assume you didn't realize that and were intimidated by the letter and were all too willing to "surrender to their demands."
NEVER EVER give your financial information to any 3rd party agency or Law Firm. They prey on the naive and it gives them an easy ticket not only to your checking, but to a lawsuit because they NOW KNOW WHERE YOU BANK. Do yourself a favor and CLOSE THE CHECKING ACCOUNT !
Secondly, New York State debtors need to be sued and a default judgment needs to be won before ANY Collections Law Firm is entitled to levying and freezing your bank account. Were you served? If not, Rubin and Rothman blatantly violated the FDCPA by freezing your account without a proper summons where they can freeze only when they win a default judgment against you. These scumbags froze the checking account of a radiology tech in Westchester last year (google ABC News Rubin and Rothman) who was a victim of ID fraud. A woman in Brooklyn fraudulently opened a Citibank card and defaulted and this firm served the address of the ID fraud scam artist. This hardworking woman in Westchester knew nothing of it and suddenly had her bank accounts frozen after the Brooklyn scumbag was served at her address in Brooklyn and never appeared in court. In the video, a middle aged heavy set blond with glasses who apparantly is Rubin and Rothman's secretary refused to allow cameramen into their firm to question attorneys on their scam of "sewer service summons." Seeing as this chick looked like she last got action during the Carter Administration, it's easy to see why she was as "b*tchy" as she was.
Get an ATTORNEY ASAP.They cannot FREEZE your checking without a default judgment. If you were somehow served improperly, that's another violation. Most Consumer attorneys work on a contingency fee basis so even those in the worst financial spots can get legal representation. Best wishes and sorry to tell you this after the fact!