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

Related FAQs

Must a debt collector give me written notice before attempting to collect a debt?
What can I do if a debt collector violates the Fair Debt Collection Practices Act?
Can a debt collector ever contact me via email or text message?
Will a debt collector ever inform me of my rights?
Can a debt collector contact me after I’ve written them a letter asking them to stop?
Can a debt collector ever garnish my wages?
What is the Fair Debt Collection Practices Act?
Can a debt collector charge more than the amount of the original debt?
Is it illegal for a debt collector to harass me?
Can a debt collector contact me if I have an attorney representing me?

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