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 contact my friends, family, or employer?
How long can a debt collector attempt to collect a debt?
When is a debt collector allowed to contact me in person?
Can a debt collector threaten to garnish my wages?
Can a debt collector list my debt on my credit report?
Can a debt collector contact me after I’ve written them a letter asking them to stop?
Can a debt collector contact me by phone or in person?
Can a debt collector ever put a lien on my property?
Can a debt collector contact me at any time of day?

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