Is the message at the beginning of 1065 credible?

This is not true. If you receive a text message or a phone call saying that you are visiting or threatening others, it is not true. Because when our debts are overdue, it's horrible to get a message or a phone call saying that people who come to see us go home to collect money. It's from a third-party collection company, or I'll call you. You don't have to be afraid or worried. It won't really happen as they say.