This place just called my son who has a debt.  Basically when he hung up he was in tears, swearing they were going to put him in jail. He does have a student loan, and they have demanded full payment.  He is only 19, has not been able to find a job, hasn't the money to go back to school, and as his mother I am in bankruptcy.  Do they have a right to be so threatening?  My son is convinced he is going to jail.  How dare they be so threatening!