既然你不想民事诉讼,那么我没有什么可以帮助你的。报警也不能把你的钱追回来。
用威胁报警去讨债,在一些州(大多数州)是刑事勒索。你去威胁人家,你可以威胁人家民事诉讼,但是以刑事诉讼为威胁时不行的。
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.