What to do when faced with violent debt collection

What behaviors constitute violent debt collection?

1. Telephone collection

Call and send text messages more than three times on the same day

Impersonate the staff of the national law enforcement agency to intimidate the borrower

Forged court, public security, lawyers and other national law enforcement agencies and legal documents to collect collection

Carry out telephone collection at times other than 8:00 am to 9:00 pm

Threaten the borrower to repay by bombing the address book

Bombing the borrower's address book if the borrower has not lost contact

Threatening to expose personal information and privacy and intimidating the borrower< /p>

After personal photos are photoshopped, customers are threatened with repayment

Illegal software is used to bombard the borrower’s mobile phone number and address book with text messages and phone calls

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2. Door-to-door collection

More than 3 people come to the door

Illegal intrusion into the residence or failure to exit the residence despite the borrower’s dissuasion

For the borrower Carrying out personal attacks and verbal insults

Threatening family members to force borrowers to repay

Illegal detention of borrowers and family members

Propaganda in the borrower’s workplace, resulting in The borrower loses his job

Causing financial losses to the borrower

Causing the borrower's reputation to be damaged

The above are all violent debt collection behaviors. I hope this will make it more intuitive for everyone. Understand the definition of violent debt collection and what constitutes violent debt collection.

Other illegal collection behaviors include:

1. Inducing borrowers to use loans to support loans

Many collection officers will resort to inducements after the collection fails. Borrowers apply for loans on other platforms to repay overdue loans, but this will only make the borrowers worse off.

2. Collect the interest exceeding 36%

The legal interest rate stipulated by the state is 36% per annum. If it exceeds this, it can be regarded as usury, and the excess interest cannot be collected. of.

For other illegal collection behaviors, everyone is welcome to comment and add.

Why do violent collections occur?

The financial industry has always been a profit-making industry, which has driven many criminals to use the guise of online loans to engage in criminal activities. In recent years, various routine loans have been rampant in the market, causing many people to be deceived. So are these routine loans frauds? What are the criteria for applying for routine loans?

1. Criminal liability can be pursued

1. Regardless of the form, as long as the purpose of illegal possession is to fabricate facts, conceal the truth and defraud the victim of property, it can constitute a crime of fraud. Pursuing criminal liability.

Many borrowers go to loan companies or online loans to apply for loans, and the other party adopts yin and yang contracts, cash transactions, violent collection, and forced repayment of loans, which actually constitutes a crime.

2. Violent behavior. Because regular and legal loans can be recovered through court proceedings, and those routine loans themselves are illegal loans, so they dare not contact the legal agencies at all, and can only use violence, threats, and fictitious legal documents to deceive and conceal the truth. There is only one who not only wants to obtain excess interest, but also wants to further seize the borrower's property, car, storefront, etc. at a low price.

2. Preserving evidence

If the crime alone is not enough to call the police, the police will not be able to file a case without enough evidence, so it is also critical to preserve and collect evidence.

1. Loan contract. Before applying for a loan, you must consciously keep all materials such as loan contracts, vouchers, agreements, IOUs, etc., and record or videotape them when necessary.

2. Monitoring. Many routine loans do not go through bank transactions, but only through cash transactions. At this time, you can find a way to obtain surveillance video of the transaction location, which will be of certain help.

3. Chat records. Preserving evidence such as videos, recordings, images, and screenshots of "routine loan" gangs' violent "collection" can provide important reference for future convictions and sentencing.

3. Sentencing standards for the crime of fraud

l. Anyone who commits this crime shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or surveillance, and shall also or solely be fined;

< p>2. If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined;

3. If the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and a fine; The above sentence shall be fixed-term imprisonment or life imprisonment, and shall also be punished with a fine or confiscation of property.

What should you do if you encounter violent debt collection?

Normal collection is usually a text message or phone call. Occasionally, there will be door-to-door collection, but no more than 2 people. Collection is civilized and does not constitute harassment. If the debtor still fails to pay, the financial institution will Go to court for enforcement.

If you are very unfortunate and encounter violent debt collection, what should you do at this time? The first is to protect yourself and not to confront someone head-on; secondly, you can choose to call the police and use legal means to legally protect your personal rights from being harmed.

Please remember, do not try loan sharking, which is a poisonous loan method. Once you fail to repay the loan on time, you will fall into the vicious circle of borrowing with compound interest. It may seem to alleviate the temporary difficulties, but it may later Half a lifetime of happiness must be built into it, develop good consumption habits, saving habits, work hard, and live a healthy life.

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