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Can a debt collection agency try to have me arrested over a debt collection?

Collections agencies usually don't have the legal authority to issue arrest warrants or have you put in jail.

The CFPB’s Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.

Under the Fair Debt Collection Practices Act (FDCPA) a debt collector is not allowed to claim that you’ll be arrested if you don’t pay your debt unless that threat is true. If your debt arises out of the criminal justice system, it is possible that failure to pay could result in a warrant for your arrest.

Additionally, if a collector has obtained a judgment against you and you ignore a later court order to appear, a judge may issue a warrant for your arrest for failure to appear. Never ignore a court order.


You should never ignore a court order. If you get a court order to appear, you should go to court and provide any required information. You may want to consult with an attorney to help you with your court appearance.

If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).