Yang Xiaoba sent a message with a flower card overdue saying that she invited local people to visit her home. Is that true?

Under normal circumstances, this is the collection method of the third-party collection company, which uses the debtor's fear of getting into trouble to achieve the purpose of collecting accounts.

First, at any collection stage. SMS, telephone, lawyer's letter, home visit, etc. , should take the initiative to contact the bank, explain the overdue situation and the current economic situation. Even if you can't answer every bank call, you can't completely ignore it. You can answer part of it selectively, indicating your willingness to repay. Secondly, if it is a third-party collection, it will encounter illegal collection such as language danger or door-to-door threat. Also pay attention to leaving relevant evidence. Paying off debts is true, but basic civil rights and interests should also be guaranteed by law. Ask which organization the other party is, the name of the collection company, the number of collection personnel and other information. If the other party refuses to provide it, then we can hang up directly. In addition, all collection calls should be recorded as much as possible, which is also the performance of both parties.