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

In California, debt collectors are prohibited from making threats to refer a debt to a collection agency. According to the California Civil Code § 714, debt collectors are prohibited from threatening to take legal action against a debtor. This also applies to referrals to a collection agency. Collection agencies must adhere to state and federal laws as well as the Fair Debt Collection Practices Act, which forbids debt collectors from making threats of any kind. It is important for debtors to know their rights and understand the laws surrounding debt collection. In California, debt collectors cannot threaten to refer a debt to a collection agency, even if the debt is delinquent. They must provide a debtors with information about their rights and the legal process for disputing or settling the debt before referring a debt to a collection agency. Debtors should also be aware that a debt collector cannot threaten to tell anyone else about their debt or send them a letter or statement of the debt. If a debt collector is attempting to intimidate a debtor by making a threat, the debtor can report them to the California Department of Business Oversight. This department regulates debt collectors, creditors, debt-adjusters, and other related services. Finally, it is important for debtors to remember that it is illegal for any debt collector to make any kind of threat or attempt to collect a debt in an abusive or harassing way. Debtors should always state their rights and be familiar with the laws regarding debt collection.

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

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