Ok, send text messages in the address book in stages.

Because your friend's emergency contact is you, or the lender maliciously collects it.

1. Because many online lending platforms will visit the address book of the borrower when he submits the loan application in order to prevent the borrower from overdue repayment, once the borrower fails to repay the loan within the time limit, it will bomb everyone in his mobile phone address book. Let everyone know what he owes and ask him to pay it back. Your situation is that this person owes money to the lending institution, so the institution can only call you, send text messages, and in various ways. If you are bored, you can block such messages and blacklist them.

In this case, you should call your friend to check it first. If it is confirmed that your friend owes money, if not, you can take the initiative to contact the platform, tell the platform that you and the repayment party are just ordinary friends, and tell them to stop harassing themselves by phone, or report it, so as to get rid of the harassment of the platform.

3. You will need to fill in the contact person when making a loan, and some platforms will get the address book information of the mobile phone. If there is personal information in it, they will send you a text message.