Working Poor

Tell them you won't pay and they'll have to write it off.

Then block their numbers and ignore their mail.

Trying to work with sharks like that never turns out well. They'll squeeze you dry and then still stick you for whatever's left. The principal will magically never go down.

BK it out if you have to. They'll pull $100k out of you for a $3k debt if you allow them to.

Do NOT let them control your life. The 20x calls/day thing is unlawful and you should start recording the times they call.

I was in that situation once. As much as I tried to honestly pay it down they pulled every trick in the book to keep it perpetual. Eventually I realized it was a no-win game, and stopped playing it.

Look up "debtor's rights" and find the laws specific to your state. You may be able to sue them and make a profit out of the situation.