A debt collector just threatened to arrest you. Here’s the legal truth: they can’t. I’ll show you exactly what the law says and what to do in the next 5 minutes.
A debt collector threatening arrest for an unpaid credit card is violating the FDCPA. You cannot be jailed for civil debt. Here is what the law says and exactly what to do next.
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Think of this as me — just in AI form. I've walked in your shoes. I filed bankruptcy myself in 1990, and in over 30 years of experience I haven't seen a situation that can't be worked through or a person who deserves judgment. Everything here is built on that experience, that research, and genuine care for you. I can't be there in person. But I can be here.
Conversations are saved anonymously. Personal details are automatically removed before storage. This is an AI — not a financial advisor, attorney, or therapist.
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