Cops are free to lie to suspects. Debt collectors, not so much.
And creditors, like, say, American Express, also have some constraints on their collection efforts.
DON’T BELIEVE THE ENEMY. If the cops are interrogating you, they are NOT on your side.
Your credit card company is not your friend. They are not your advocate.
Debt collectors are in it for the money. Not your health and well-being.
Creditors are exempt from the Fair Debt Collection Practices Act, though they may be subject to state law provisions where you live.