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

Related FAQs

What rights do I have when dealing with debt collectors?
When is a debt collector allowed to contact me in person?
Is it possible to negotiate with a debt collector?
Is there a statute of limitations on debt collection?
If a debt collector contacts me, am I required to pay the debt?
Who do I contact if I believe a debt collector has violated the law?
What should I do if a debt collector has sued me?
Can a debt collector contact me if I’ve made a payment arrangement?
What can I do if a debt collector violates the Fair Debt Collection Practices Act?
What is the Fair Debt Collection Practices Act enforcement process?

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