Not likely. Unless your debt is really high, they aren't likely to follow through with a lawsuit. Call the collection agency in question, and get your validation that way. Your letters probably ended up in a shredder! Collection agencies use scare tactics, which are perfectly legal, because you do owe the money! They tell you you have to pay the entire debt at one time, but you don't! You can set up a payment plan that is affordable. Good luck!