Hello and welcome to Just Answer.
There is a very strong likelihood that this is a scam, and it is certainly illegal harassment by creditors. This is a violation of the Fair Debt Collection Practices Act. You will not be arrested if you do not pay $200 by Thursday, and they were just trying to frighten your husband by reading him his rights. Do not engage further in their fraudulent scare tactics.
First, file a complaint with the FTC. Click here for more information.
Next, file a complaint with your Attorney General about the collection agency. Click here for more information.
Finally, click here for information on how to respond to illegal harassment by creditors (cease and desist letters and scripts for phone responses).
Click here and here to learn about illegal harassment by creditors.
Do not engage with the unscrupulous creditors further.
Let me know if you would like more information.
Please remember to click "ACCEPT."
This is the ONLY way I am paid for my efforts.
POSITIVE FEEDBACK is appreciated and reciprocated.
All of my BONUS earnings will be DONATED to:
The Breast Cancer Alliance United to Support and Educate (BCAUSE), the Susan G. Komen Foundation for Breast Cancer Research and PAWS; a non-profit organization which provides essential services to assist the low-income elderly, chronically ill and disabled in keeping their companion animals.
Thank you for your support of these CHARITABLE ORGANIZATIONS!
Disclaimer: Any information given by me is for informational use only and is not legal advice. This is general information and is not intended to be specifically tailored to an individual. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and its associated sites. Persons accessing this response are encouraged to seek legal counsel in their jurisdiction for accurate guidance regarding their individual circumstances.