Is it legal for a debt collector to claim they are going to take legal action against me?

Related FAQs

How do I know if a debt collector is legitimate?
What can I do if a debt collector refuses to provide me with proof that I owe a debt?
Can a debt collector contact me if I’ve offered to settle a debt?
If a debt collector contacts me, am I required to pay the debt?
Can a debt collector threaten to garnish my wages?
When does the Fair Debt Collection Practices Act apply?
Can a debt collector call my references?
Can a debt collector contact me if I’m a victim of identity theft?
Is it illegal for a debt collector to call me repeatedly?
What should I do if I am being harassed by a debt collector?

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