You have legal rights to tell a collection agency to not contact you.  All you need to do is write the collection agency and tell them to cease all communication with you.  Just use the form that is below and copy and paste it into a word document.  By law the collection agency must cease contact with you except to tell you that efforts to try and collect from you have been stopped or the collection agency will start a legal action against you like suing you.  A creditor may not threaten to sue you unless it really intends to do so.  If they are threatening you to sue but have no intention, this could be a violation fo the Fair Debt Collection Practices Act.  They could be subject to a fine.

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