Is there a statue of limitations on a payday loan in wisconsin?

The communication could be a violation of the Wisconsin and Federal fair debt collection laws depending on the specific threat. A threat to take you to court to collect a debt, whether owed or disputed, can violate the law if the statement is only a threat--that is that the creditor or collection agency made the threat without any real intention of carrying it out. If you are not sued on the debt, then the agency probably did not have the intent to take action on its threat. Past similar threats without action by the same agency can help establish this type of violation.