Can a debt collector demand payment or threaten arrest?

No, a debt collector cannot demand payment or threaten arrest in North Carolina. This is because it is illegal under both federal and North Carolina state laws. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from harassment and abuse by debt collectors. Under this law, debt collectors are not allowed to threaten arrest or use any other form of criminal process against a consumer. North Carolina also has additional laws that protect consumers against debt collectors. According to North Carolina General Statute § 58-57-20, debt collectors cannot threaten to use or use any criminal or civil process to collect a debt. This means that debt collectors cannot use the threat of arrest as a means to try and collect a debt from a consumer. Furthermore, North Carolina General Statute § 58-57-26 prohibits debt collectors from using any language or conduct that could be considered abusive, oppressive, intimidating, or threatening. This includes demanding payment or threatening arrest. In summary, no, a debt collector cannot demand payment or threaten arrest in North Carolina. This is illegal under both federal and state law. Consumers should contact the Consumer Finance Protection Bureau or the North Carolina Attorney General’s Office if they feel that a debt collector is trying to use threats or intimidation to collect a debt.

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