Do you need my permission to collect at home?

It is legal to collect debts at home without the consent of the parties, but if it is illegal harassment, it is illegal and you can call the police.

However, the following laws are illegal: illegal detention, illegal invasion of houses, and black-related debt collection. According to relevant laws and regulations, anyone who illegally searches another person's body or residence or illegally invades another person's residence shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention. Any judicial officer who abuses his power and commits the crime mentioned in the preceding paragraph shall be given a heavier punishment.

Without the consent of the lender, the collection agency can collect the money at home, because it is not illegal to collect it at home. However, due to the high cost of door-to-door collection, generally speaking, unless the user's location coincides with the location of the collection agency, or the user's overdue situation is serious, it is possible for a collector to collect at home.

Many times, the collection personnel send a collection message and make a collection call, so that the collection cost is the lowest, and even if the collection fails, the lending institution does not need to bear additional losses.

legal ground

Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

The issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, or use improper means such as violence, coercion, intimidation or abuse. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.

Article 42 of the Law of People's Republic of China (PRC) on Public Security Administration Punishment: Anyone who commits one of the following acts shall be detained for not more than five days or fined not more than five hundred yuan; If the circumstances are serious, they shall be detained for more than five days and less than ten days, and may be fined up to five hundred yuan:

(1) writing threatening letters or threatening the personal safety of others by other means;

(2) publicly insulting others or fabricating facts to slander others;

(3) fabricating facts, falsely accusing and framing others, and attempting to subject others to criminal investigation or public security administration punishment;

(4) Threatening, insulting, beating or retaliating against witnesses and their close relatives;

(5) sending obscene, insulting, intimidating or other information for many times to interfere with the normal life of others;

(six) voyeurism, sneak shots, eavesdropping, spreading the privacy of others.