Legal Question in Credit and Debt Law in New Jersey

Yes, it sounds like you need a lawyer to help sort this out. It can be proven by one party or the other that the money was sent and delivered and the lawyer can more firmly demand that proof from them. Once the facts are straight, that should naturally help to resolve the legal issues. When a lawyer gets involved, he/she can also contact them about not calling you anymore, but only communicating with the attorney until its resolved.

Generally, when you are sued, you must receive service in some way, i.e., a process server handing it to you, a court letter, etc. If you moved since you dealt with them, it is possible they have started a suit and marked you as served by sending it certified to the last know address. This is another question that an experienced attorney can help get answered as well as help to get copies of anything that has been filed against you in Court.

Best of luck.