Welcome to the forums! It seems as though you can get these removed from your credit reports with a dispute letter to the CRA's. I say that because you mention that they are very unscrupulous. I'm in the beginning stages of repairing my credit. I'm still disputing my old addresses on my CR's and I cannot wait to dispute the collection accounts on them. There are some sample letters on the main site which may inspire you to write a really good one.
It is your legal right to dispute any information on your CR's. If they cannot complete the investigation within the alotted time, they must delete the disputed information. All you have to say is, " please verify this derogetory information or remove" or something to that effect. You may want to send the collection agency a debt validation letter if they're really harrassing you. Samples of debt validation letters are on the main site as well. Just click the link on the left that says, "credit repair letters". If it does become verified by the CRA's or validated by the agency, you can send the collection agency a pay for delete letter, which negotiates with them that you will pay as long as they delete the account from your credit reports.
I have answered your questions as best I could right now and I hope this helps. Oh and if the collection agency is harrassing you calling at all hours of the day or breaks any other FDCPA laws with you, then I would definately recomend getting an attorny. ; D
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