They are simply threatening you by something which they cannot do.

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

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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.


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