Sounds like you are very confused. The Fair Debt Collection Practices Act does not regulate debtors, it regulates creditors, primarily third party creditors, such as collection agents. It may be a good idea for you to actually read this law in order to understand it. And yes, it is illegal to make threats of criminal prosecution or to make other kinds of threats. Moreover, debt collectors are not government officials and have no authority to act as if they are law enforcement officers. In some states, state law also regulates both the original creditor as well as debt collectors, so you may want to check out the laws in your state, and most states post their laws on the state website. Hope this perspective helps!
The Fair Debt Collection Practices Act only applies to third party debt collectors not the original collector. The Texas debt collection laws do apply to original creditors. It is unlawful to threaten arrest for non-payment of debt.
This comment is given for educational purposes only. No attorney-client relationship exists between us.
You should visit with a qualified consumer attorney in your area. My colleagues are correct, the FDCPA protects consumers from third party collectors in matters concerning consumer debt.
The Texas Debt Collections Act regulates both creditors (the company that made the loan) and third party debt collector. If what you did was indeed a crime, your creditors can legally tell you that they will file criminal complaints against you.