can a debt collector threaten to garniah wages or suspend your license or threaten to take you to court or harass you by callling you names

You should contact a local consumer rights attorney to discuss your situation.  Debt collectors must abide by the Fair Debt Collection Practices Act, preventing some threatening forms of collections.  You may have a case against the collection agency, and a local consumer attorney will know if you have a valid case. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.