The debt collector sent him a form to make the payment thru his checking account. He filled out the form and signed off on it. The debt collector proceeded to completely drain his bank account. They sucked out $1,800. This caused major financial problems for this guy. He couldn't afford gas to get to work. But, it was all completely legal because of the fine print on the bottom of their form.
The moral of the story? Never give any of your financial information to a debt collector or anyone. If you do send money to a debt collector, then use a payment method that can't be tracked. A money order is a good option. Money orders keep all of your bank account information private. You can buy one with cash or a debit card. The debt collector will never get your account information. Never give any of your financial information to a debt collector. Do not send them info on your checking account, savings account, IRA, 401k, or any other financial account you have.
Many state and federal laws often give a debt collector permission to take money out of your accounts, with or without your permission. Unless you are a lawyer, you won't know if or when they can take money. So you are simply better off never giving them your info. The debt collection company that I mentioned above is based out of Colorado. They tried to collect from another person I know. They were very pushy. They only wanted his checking account info. They wouldn't accept any other payment method. It appears they use that tactic on everyone they call. I hope this helps you in your situation.