can they tell me they will call the police and have me arrested at home or on my job and call my employer to have me fired
No, they can't say things like this. They are simply threatening you by something which they cannot do. This is undoubtedly a violation of the Fair Debt Collection Practices Act (FDCPA) and you have a case against them for this.
Legal debt relief methodology that works based on your financial conditions.
Learn more »