What should I do if I am an emergency contact and receive a threatening text message?

In the information age, everyone's mobile phone number is no longer private, and it is easy for others to get it. Recently, a user came to consult me and said that he was often harassed by strange numbers in recent days. I didn't know I was set as an emergency contact until I checked. If the other party fails to pay back within the time limit, the online lending institution will call for collection. Faced with this situation, what should I do if I am set as an emergency contact?

1. The emergency contact is not liable for repayment.

Whether you intentionally or unintentionally become an emergency contact, you are not obligated to bear the repayment responsibility when the borrower is overdue, unless you are the guarantor or borrower in the secured loan. Therefore, everyone should understand that banks and private lending institutions have no right to force you to help others repay.

2. Emergency contacts are harassed.

Generally, only after loans overdue, the lending institution will call the emergency contact person for two purposes. One is to ask about the borrower, please urge the borrower to repay on time. The other is to see if it can help the borrower repay the loan. No matter what the situation, there is no need to repay.

What should I do if I am set as an emergency contact?

1. Ask the other party to delete it immediately.

Show your attitude when you receive a dunning call. You were set as an emergency contact without knowing it, and you didn't borrow money yourself, so you have no obligation to repay. I can't contact the borrower at present or I don't know. I hope the other party will stop calling and delete the emergency contact number.

2. Complain to the relevant departments. The collection staff will generally call you by bombarding you. You can edit the phone recordings, chat records and SMS screenshots into files to complain to the CBRC and the Mutual Fund Association. If the circumstances are serious, you can call the police.

To sum up, if family and friends encounter similar situations, they can contact the borrower to communicate and provide opinions, hoping to solve this matter as soon as possible. If you are set as an emergency contact, you can contact the borrower and ask the other party to negotiate with the online lending institution to delete the contact number to avoid being harassed.