Just found this"Is this true?"

[Anonymous]

The creditor called and threatened to sue me if I didn‛t pay my debt.

Is that legal?

Yes. A creditor can threaten legal action against you. This includes threats to garnish your

wages or seize collateral. However, such action can only be threatened if i

t is taken in the

regular course of business or

intended to recover

your particular debt. Only the creditor

not a third party collection agency,

has the authority to decide whether legal action should be

taken.-----------> A collection agency cannot initiate legal action on its own but can recommend legal

action to the creditor.<------------------

[gdale6]

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@Anonymous wrote:

The creditor called and threatened to sue me if I didn‛t pay my debt.

Is that legal?

Yes. A creditor can threaten legal action against you. This includes threats to garnish your

wages or seize collateral. However, such action can only be threatened if i

t is taken in the

regular course of business or

intended to recover

your particular debt. Only the creditor

not a third party collection agency,

has the authority to decide whether legal action should be

taken.-----------> A collection agency cannot initiate legal action on its own but can recommend legal

action to the creditor.<------------------

---

That statement is true if they are only representing and trying to collect on behalf of the OC, if they own the debt outright as a JDB then that statement would not apply. It is also good to note that to threaten to sue, garnish and seize past states SOL would be considered harrassment as they really cannot get a judgment past SOL if you use it as an affirmative defense.