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

Related FAQs

Are there any laws that protect me from debt collectors?
Can a debt collector contact me if I’m on a debt repayment plan?
Can a debt collector contact me about a debt that my partner owes?
Can a debt collector ever garnish my wages?
What happens if I dispute a debt with the credit bureau?
Can a debt collector contact me by phone or in person?
What rights do I have when dealing with debt collectors?
Can a debt collector contact me on weekends or holidays?
Can a debt collector garnish my wages without a court order?
Can a debt collector contact me if I’m on military deployment?

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