Is it illegal to contact your family after loans overdue?

Legal analysis: If the platform only properly contacts the family members of the parties, it is not illegal to ask the other party to urge the parties to repay. However, it is illegal for dunning companies to call their families to cause harassment. They can collect relevant evidence and report the case to the public security organ. After loans overdue, both the loan platform and the third-party collection agency have the right to collect the debtor. As long as the contents of phone calls and text messages are in compliance, there is no threat or fraud. Or a third person who obtains contact information through appropriate channels. The so-called formal channel is to collect the contact information of an unrelated third party when communicating with the debtor. For example, the debtor informs the collector himself, and the phone number of parents and spouses is the proper channel.

Legal basis: Article 42 of the Law of People's Republic of China (PRC) on Public Security Administration Punishment commits one of the following acts, and shall be detained for less than 5 days or fined for less than 500 yuan; If the circumstances are serious, he shall be detained for more than 5 days 10, and may also be fined as follows in 500 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.