Can a debt collector threaten to take legal action against me if I don’t pay?

Related FAQs

If a debt collector contacts me, am I required to pay the debt?
Can a debt collector contact me if I’m a victim of identity theft?
What happens if I dispute a debt with the debt collector?
What happens if I don’t respond to a debt collector’s request for payment?
What information must a debt collector provide me in writing?
Can a debt collector charge a fee for collection of a debt?
Can a debt collector contact me about a debt that I’ve already paid?
Can I stop a debt collector from calling me on my cell phone?
Who do I contact if I believe a debt collector has violated the law?
Can debts be forgiven after a certain period of time?

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