i agreed to have credit card chargared for repayment of a collection account in may for July 1st. this is a 3rd party collect agency. That was suppose to be the 1st payment(July 1st 2009). But on June 8th i sent and they received(june 11th) a cease and desist letter from me. This was well before july 1st payment they took out. they still charged my account checking account via a visa debit card i verbally gave them in May 2009. are the allowed to do this? the letter i sent stated, among other thing, to stop ALL collection of this debt? i called them and the supervisor said they were still allowed to do this because the verbal payment arrangement was before the letter? any help