Is it useful to call the police to harass the company?

It is certainly useful to call the police at home, but it is necessary to ensure that borrowers use violence to collect loans. If the borrower follows the correct procedure and is legal, it is useless to call the police, and the borrower must pay it back.

1. Is it useful to call the police at home?

If threatened, you can call the police or bring a lawsuit to the court. Online lending platforms, car loan companies, installment companies, and collection agencies have behaviors such as telephone and SMS harassment, threats, looting or embezzlement of property, damage to credit records, and intrusion into houses. It can be handled according to infringement and illegal acts, and can immediately report to the financial supervision department to expose criminal acts such as violent collection and usury by online lending institutions, and can directly report to the police when necessary.

If it is not violent collection and informal sector, then door-to-door collection is legal. The bank's door-to-door collection of credit card arrears is to safeguard the bank's own basic rights and interests, but if it is other credit disputes (not malicious credit card arrears), the public security organs have no right to intervene.

Second, what should I do if I borrow money?

If someone borrows money and doesn't pay it back, they should first keep relevant evidence, such as the copy of the other party's ID card or ID number, contracts, emails, text messages, recordings and remittance records. And tell him to pay back the money in time.

In addition, it is necessary to contact lawyers in time, and professional lawyers will analyze and guide the parties on how to further obtain evidence. Don't miss the statute of limitations, otherwise they won't win the case, thus safeguarding their legitimate rights and interests.

When preparing to sue, it depends on whether the money on the loan has time to pay back. If there is, it should be prosecuted within three years after the time of repayment. If there is no prosecution, the three-year statute of limitations has expired and the parties have lost their right to win the case. At the same time, it depends on whether there is evidence to prove that the prescription is suspended or interrupted.

If the money on the IOU is not paid back in time, the parties can sue for money at any time. In this case, the 20-year statute of limitations is generally not allowed.

It should also be noted that the interest agreed at the time of borrowing cannot exceed the annual interest rate of 24%, and the excess is lower than the annual interest rate of 36%, which is regarded as payment by the debtor and will not be refunded. If the annual interest rate exceeds 36%, the debtor has the right to demand the return or deduction of the remaining principal. If the other party is found to have property before prosecution, you can apply for preservation.

To sum up, door-to-door collection is a kind of creditor's right, but this right can only be handled according to legal procedures. If it is a violent collection, the debtor has the right to call the police. If the debtor suffers any physical injury, the door-to-door collection personnel also need to bear criminal responsibility.