What is illegal personal debt collection?

Illegal debt collection includes: 1, calling relatives or friends in the borrower's address book without the borrower's permission and harassing them many times; 2. Intimidate or threaten the borrower or relatives and family members of the address book by means of WeChat or SMS; 3. The borrower calls more than 3 times within one day after the deadline; 4. The borrower fails to make timely overdue collection; 5. Disclosure of personal information of the borrower; 6, to the borrower's home or work unit collection caused serious damage to personal reputation; 7. After overdue, the overdue fee is higher than the overdue interest rate stipulated by the bank; 8. Induce borrowers to borrow from other platforms to repay the loans of this platform; 9. Use illegal software SMS to bomb the borrower's mobile phone number; 10, posing as a staff member of the state law enforcement agency to intimidate borrowers, violently accepting money and other illegal acts.

legal ground

Article 293 of the Criminal Law

Whoever commits one of the following acts of provoking troubles and disturbing social order shall be sentenced to fixed-term imprisonment of not more than five years, criminal detention or public surveillance: (1) beating others at will, and the circumstances are bad; (two) chasing, intercepting or insulting others, and the circumstances are bad; (three) extortion or arbitrary damage, occupation of public or private property, if the circumstances are serious; (4) Causing serious disorder in public places.