Don't be intimidated by debt collection scammers who threaten you with arrest.
A former bankruptcy client called the other day - a single mom, struggling to work and raise her young kids. She sounded scared, but she told a story I've heard so many times before. She'd just hung up with a bill collector, who told her that she owed money on a loan from 2010, and that if she didn't immediately pay, she would be arrested later that day. Fortunately, my client remembered me telling her that she should not pay any debt that was owed prior to the date she filed her Chapter 7 case. Instead of giving the guy her debit card number, she wrote down his name and number, and called me.