I have receiving calls from collection agencies saying that I owe money for payday loans. A collection agency called today and said I would be garnished if I pay. So I set up a payment arrangements. I did receive a receipt by email but I'm not sure how they got my work email address. Then I received an email from a different collection agency trying to collect for a payday loan from the same company as the one I set up arrangements for. So now I don't know if I should believe these people and the now have my credit card info. How do I know if these collection agencies are real and is there a statute of limitations?