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

Related FAQs

Is there a limit on how often a debt collector can contact me?
Can a debt collector contact me after I’ve written them a letter asking them to stop?
Can a debt collector contact me about a debt that I’ve already paid?
Can a debt collector ever increase the amount of a debt?
What rights do I have when dealing with debt collectors?
Can a debt collector threaten to garnish my wages?
What happens if I don’t respond to a debt collector’s request for payment?
Are there any exemptions from the Fair Debt Collection Practices Act?
Can a debt collector sue me in a different state?
Must a debt collector give me written notice before attempting to collect a debt?

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