Is calling to ask for an account considered harassment?

It depends on the situation. There is an individual or a company that needs to pay. If you want to charge an individual, what does phone harassment mean? It is okay to send text messages to demand payment. The record of text message reminders can be used as a basis for interrupting the statute of limitations. The specific content needs to be related to the amount owed. You cannot make harassing phone calls with content that threatens the personal safety of the debtor, especially the personal safety of the debtor’s family. If the debt collection method is not feasible, it is recommended to resort to litigation and legal debt collection.

However, it is illegal to demand debt from a company. The existence of debt-collecting companies not only disrupts the normal order of production, work and life of enterprises, institutions and citizens, endangers social security, but also encourages underground illegal debt collection activities, causing adverse effects on society.

Notice from the Ministry of Public Security and the State Administration for Industry and Commerce on prohibiting the establishment of "debt collection companies": In recent years, with the development of the market economy, various economic debt disputes have increased significantly. Various forms of "debt collection companies" have emerged in some large and medium-sized cities and open areas along the southeastern coast. Some are registered with the industrial and commercial administration to engage in debt collection business; some are registered with the industrial and commercial administration in the name of operating other businesses. Or they actually operate debt collection business with the approval of relevant departments; others conduct debt collection business privately without registration or approval from relevant departments.

"Debt collection companies" undertake power of attorney to collect debts and participate in litigation or non-litigation agency. They have no legal basis and lack the authority and administrative coercion granted by the law. Some debt collection companies resort to threats, coaxing, extortion, etc. They use unfair means to forcibly collect debts from debtors, even kidnap hostages, and engage in illegal and criminal activities such as violent endangerment of personal safety in order to collect high rewards. The existence of "debt collection companies" not only disrupts the normal production, work and life order of enterprises, institutions and citizens, endangers social security, but also encourages underground illegal debt collection activities, causing adverse effects on society. In order to maintain the normal social and economic order of the country and protect the legitimate rights and interests of creditors and debtors.