Help Debts

I have been dealing with a company called Creditors Interchange about a past credit card debt that I have accumulated. They have contacted my father at his unlisted home phone number when I failed to call them back right away after our first conversation. To my knowledge it is illegal for them to contact anyone else if they have already established contact with me and know how to get in touch with me. Also, after setting up a payment arrangement with them, they would send me a letter prior to the withdrawal from my checking account every month stating "If we do not hear from you before the above mentioned date your check will be processed as agreed. Please call us at the toll free number listed below if any change is necessary regarding the above arrangement." Well this last month, after recieving this letter I realized that I did not have the funds in my bank to allow this transaction to go through, so I contacted CI 3-4 times before the agreed date, but never recieved a return phone call until the day the payment already went through. Later that day I recieved a call back saying that it was too late to stop the payment and I was out of luck. Since the funds were not in my bank, the check bounced. Even worse, after this check bounced, they tried withdrawaling this amount twice more. Is this legal? Does anyone have experience in this matter that can give me some sort of advice? Thanks in advance!

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