Is online loan debt collection legal?

Dunning companies are legal as long as they are established according to law. Debt collection companies must abide by the law when collecting debts, and must not collect debts by violence.

General principles of civil law in People's Republic of China (PRC)

Article 84 A debt is a specific relationship of rights and obligations between the parties according to the contract or the law. Creditors are creditors and debtors are debtors.

Creditors have the right to require debtors to perform their debts in accordance with the contract or according to law.

Article 85 A contract is an agreement between the parties to establish, change or terminate a civil relationship. Contracts established according to law are protected by law.

Article 86 Where there are more than two creditors, they shall share the rights according to the determined share. If there are more than two debtors, they shall share the obligations according to the determined share.

Article 90 Legal lending relationships are protected by law.