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

Related FAQs

How do I know if a debt collector is legitimate?
Can a debt collector ever put a lien on my property?
Can a debt collector contact me if I’m a victim of identity theft?
What happens if I make a payment to the wrong debt collector?
Can a debt collector contact me if I’ve offered to settle a debt?
How long can a debt collector attempt to collect a debt?
Is it legal for a debt collector to claim they are going to take legal action against me?
Is it illegal for a debt collector to call me repeatedly?
Can a debt collector contact me about a debt that is not mine?
What can I do if a debt collector refuses to provide me with proof of a debt?

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