Is it legal for a third party to contact family members for debt collection?

It is legal for third parties to contact family members for debt collection.

If the platform only properly contacts the family members of the parties concerned, it is not illegal to ask the other party to urge the parties to repay the money. However, it is illegal for the collection company to call the family members to cause harassment. Relevant evidence can be collected and reported to the public security organs. , after the loan is overdue, both the loan platform and the third-party collection agency have the power to collect the debtor. Phone calls and text messages are compliant as long as the content is compliant, there are no threats, and there is no fraud.

Or a third party who obtains contact information through legitimate channels. The so-called formal channel is collection. When communicating with the debtor, the contact information of an unrelated third party is obtained. For example, the debtor himself informs the collection personnel, parents , your spouse’s phone number is a legitimate channel.

Things to note after overdue payment

1. Most of the debts you owe are civil. The police will not care about you, and you will not go to jail.

2. If you are borrowing a contract from an online loan APP, you must download and save it. Click on it and take a quick look. There are many contracts similar to guarantees, which you want when negotiating. When this contract was signed, it was even more difficult than reaching the sky.

3. If you don’t have money to pay back temporarily, don’t cry and complain to the debt collectors and tell them your difficulties. The job of debt collectors is not to provide emotional communication, their job is to get you to pay back the money. , if you don’t pay back a penny, the other party may still treat your real situation as a joke.