Quick answer
Covered collectors must follow federal collection rules; additional local protections may apply.
Do now
Keep a log of calls and messages, the collector’s identity, and the claimed debt. Review CFPB information about limiting communications and submitting complaints. Seek help for threats or false claims about arrest.
Watch for
A written stop-contact request does not erase a debt or prevent every lawful action, including a lawsuit. Ordinary consumer debt is different from criminal fines or support enforcement.
Official sources
FTC — Debt Collection FAQs, CFPB — Stopping Collector Contact.