既然你不想民事訴訟,那麽我沒有什麽可以幫助你的。報警也不能把你的錢追回來。
用威脅報警去討債,在一些州(大多數州)是刑事勒索。你去威脅人家,你可以威脅人家民事訴訟,但是以刑事訴訟為威脅時不行的。
https://en.wikipedia.org/wiki/Legal_threat
Constitute extortion, blackmail, or some other crime or tort involving improper threats of harm: for example, it is considered unethical, and in some cases a crime, to threaten to report criminal conduct to the police unless a settlement is reached.