these people claim they are a law firm to collect a payday loan an they been harrassing me an i gave them my debit card info an they said they will take legal action if i dont pay i need to know if they are scammers

Michelle, don't give them ANYTHING via phone.  Even if this is your debt, you have rights and a phone call from some collection agency does not safeguard those rights.  Read here to determine if this is a legitimate agency with a valid claim against you, first.

http://www.consumerfinance.gov/askcfpb/1699/h ... legitimate.html

Read here to be sure you safeguard your rights:

http://www.consumerfinance.gov/askcfpb/1695/i ... do-i-reply.html