Is it illegal for family and friends to be bombed by phone when Alipay's loan is overdue? What should I do?

This kind of behavior is indeed illegal, which not only violates the borrower's right to privacy, but also disrespects the borrower. Formal loan software will not always call the borrower's family and friends, but will only recover the arrears through law. If your family and friends are harassed by this software, you can complain or report through the regulatory authorities. However, owing money is also a very incorrect behavior, and all loans should be paid off.

Some people feel that their lives are not ideal and there is no way to satisfy their consumption desires. They are most likely to borrow money or even lend money to meet their luxury needs and make themselves happier. This kind of behavior can only get temporary happiness, and then you still have to pay the loan. For example, some people always borrow money from Alipay, and finally they can't afford it, which leads to overdue loans. Then they will find that their address book has been obtained by the software, and their relatives' phones have been blasted. This is a very wrong behavior, because the phone number and name in the address book belong to personal privacy, and the loan software has no right to obtain it. Moreover, this kind of phone call will also affect the reputation of the borrower to a certain extent, making others think that the borrower is a person who owes money and does not pay it back.

As Bian Xiao said, if you feel that your rights have been infringed, you should actively defend your rights. You can sue and the loan software can call the police. But the borrower is also unreasonable, because you owe money and don't pay it back, which makes you owe more online loans. I hope everyone has a clear concept of consumption, don't engage in usury, let alone live a frugal life with loans, or spend according to their own earning power, and don't spend in advance.

Unless you owe a lot of online loans, the loan software will not call you, but will only send you a text message or make you unable to borrow money. However, your credit information will also be problematic and will turn black.