For all of you who recieve that illegal call from a collection company or creditor, telling you that you will be arrested or that you have committed some crimes, relax. The only crime being committed is the statements being made by the collector. It is illegal to threaten arrest or accuse a consumer of committing a crime. Tell the caller that you know your rights and that you will be reporting their illegal call to the Attorney Generals Office of whatever state they are based. They are trying to scare you into wiring them money, and hoping that you are not an informed consumer.