Can a debt collector threaten to refer my debt to a collection agency?

Related FAQs

Can a debt collector contact me on weekends or holidays?
When is a debt collector allowed to contact me in person?
Can a debt collector contact me about a debt that I’ve already paid?
Can a debt collector contact me if I’m on a debt repayment plan?
Can a debt collector charge more than the amount of the original debt?
Can a debt collector ever put a lien on my property?
Can a debt collector contact me after I’ve sent them a cease and desist letter?
Can a debt collector threaten to take legal action against me if I don’t pay?
What is the Fair Debt Collection Practices Act?
Can a debt collector list my debt on my credit report?

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