0 106744 Is Beijing's dunning legal?

Collection itself is legal, but it is illegal if it is violent.

There is nothing wrong with short messages and telephone calls, but the company's short messages and telephone calls are of course not only so-called notices and reminders, but also what to do if they don't return, even some word games, internal filing, sending materials to the place of residence and so on. The pressure of this hint and message will increase with the delay of time. This kind of text messages and phone calls with personal items are difficult to be held accountable except for obvious intimidation or threats. However, if the other party discloses your personal information, including debt information, to a third party by SMS, telephone or letter, it is necessary to disclose your personal information.

Illegal acts in the process of expropriation:

First, malicious text messages, ugly P pictures

According to Article 246 of the Criminal Law, whoever publicly insults others or fabricates facts to slander others by violence or other means, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance or deprivation of political rights.

The malicious short messages and pictures sent to borrowers by general collectors are insulting and fabricated out of thin air. If you can't tell them the truth, you can talk about law. If you can't talk about the law, you don't need to communicate more.

Second, spread other people's information without authorization.

Many collectors will privately distribute personal information, personal data, picture information and so on. About the debtor. These acts are illegal.

Third, forced entry into private houses.

In the case of violent collection, even if the debtor's door is open, it is illegal for the violent collector to enter the debtor's house without the debtor's permission. Article 245th of the Criminal Law stipulates that anyone who illegally invades another person's house shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention. Don't think these are empty words, but anyone who has written laws and regulations needs to abide by them.