Is it okay to call in the middle of the night to collect debts?

It is illegal to collect harassing address books.

Without the borrower's consent, the collector collects his communication records and informs his contact person of the borrower's outstanding debts. In fact, it violates the borrower's right to privacy. Calling and texting the borrower's contact person without permission also violates the privacy right of the borrower's contact person. If there is anything insulting or insulting to the borrower or the borrower's contact person in the phone or text message of the collector, it is also an illegal act that infringes on his reputation right. The above-mentioned illegal behavior of the collector belongs to civil infringement, and the borrower may ask him to stop the infringement or report it to the relevant department.