I owe you a loan of 3500 yuan, and I sent a lawyer's letter. Is it true that I called home to get it?

1, door-to-door collection exists. If the amount owed is too large, or the loan company has a local business outlet, it may come to the door, but most companies adopt negotiation methods, such as exempting certain interest.

2. Is home collection legal? It is legal to collect money at home through formal means. At present, online lending institutions are looking for outsourcing companies to collect money. Generally speaking, they will come to the door to explain the situation. Some illegal door-to-door collections are generally paint splashing, writing in scarlet letters, violent beating, smashing and looting, verbal threats, etc. Borrowers are advised to keep relevant video and audio evidence and seek police help in time.

To sum up, in the case of on-site collection, we should pay attention to the following points:

1) show attitude, have a good willingness to repay, and communicate and solve it;

2) Collect evidence of violent collection, and you can complain to the CBRC and the police;

3) Make a reasonable repayment plan. Loan sharks can repay within the legal scope, and the excess part need not be repaid.

First, the private number said to pick it up at home. Is it true?/You don't say. You need to know the formal collection process!

In people's daily life, there will always be some situations that need a lot of money. If users don't have enough cash on hand, they will apply for loans online or withdraw cash directly by credit card. Is it true that the private number said that it was collected at home? All borrowers should understand the formal collection process! Is it true that the private number said that it was collected at home?

It's usually fake. Due to the increased supervision of the state on collection, most financial institutions will not choose to collect money privately.

In most cases, after the borrower arrives in loans overdue, financial institutions mainly urge the borrower to repay the loan by phone or SMS in the first three months. If the borrower is overdue for more than 3 months, the financial institution has the right to sue the borrower.

However, it takes a lot of time, manpower and material resources to sue borrowers, and most financial institutions will still focus on collection. Therefore, many financial institutions will send people to collect money at home, but according to the regulations, it is necessary to bring a third-party notary to collect money at home and obtain the consent of the borrower in advance.

In other words, the formal collection process should be that the collection personnel first call the borrower with WeChat official account to inform them of their wishes and need the borrower's consent. If the borrower doesn't agree, the collection staff can't come to the door for collection, which is illegal and belongs to breaking into houses.

Indeed, many financial institutions entrust the collection to a third-party collection company. Such collection companies often resort to violence, and they will come directly to the door and even splash paint. This is also illegal. Borrowers can collect evidence and then directly sue collection agencies or financial institutions. However, it should be noted that the borrower's repayment attitude must be good.