swift funds llc fraudulent dishonest scam ripoff illegal palos verdes peninsula california

To whom it may concern,

I had a family membership with vasa which is a fitness center. I was sent to swift funds collection. The total amount owed to vasa was 2000.00. I have paid 1800.00 in the past 6 weeks because i do not want this going on my credit report. Swifts funds is charging me an additional 1800.00 collection fee. How can they do this? I can see maybe 300 but not 1800.00. When i told them that i would get a lawyer they threatened me and said that i would have to pay their lawyer fees as well.i have not been sent a bill so the address that i got off line is 

Po box 2397

Palos verdes peninsula california  90274-8397 i hope this is enough information.

I have given them my checking account over the phone which now scares me.

I have set up payments of 250.00 a month until i can figure out what to do. I am fuming mad.