Why is "collection" suspected of breaking the law?

When the debtor fails to repay the loan on time, the creditor can recover the debt by entrusting the company or collecting it by himself. However, the collection behavior must comply with relevant laws and regulations, and illegal means cannot be used to collect debts.

Specifically, the following are the possible illegal situations of collection:

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1. Use violence to threaten or intimidate the debtor. For example, threats, threats, insults and other means threaten the debtor to repay. This behavior violates the provisions of the criminal law on the crime of intimidation.

2. Harassing the debtor. Such as frequent phone calls, text messages, emails, etc. Harassing the debtor and affecting his normal life and work. This behavior violates the provisions on the crime of harassing others in the Law of People's Republic of China (PRC) on Public Security Administration Punishment.

3. Disclosure of personal information of the debtor. For example, disclosing the debtor's personal information to a third party violates the debtor's right to privacy. This behavior violates the provisions of the Cyber Security Law of the People's Republic of China on the protection of personal information.

4. collecting debts by improper means. For example, false statements, misleading, cheating and other means mislead the debtor to repay. This behavior violates the provisions of the principle of good faith in People's Republic of China (PRC) Contract Law.

5. Violate the law. For example, entering the debtor's residence or workplace without his consent, or collecting money within the legal time. This behavior violates the provisions of the Civil Procedure Law of People's Republic of China (PRC).

Therefore, the collection behavior must comply with relevant laws and regulations, and illegal means cannot be used to collect debts. If the collection company or individual violates laws and regulations, the debtor may complain to the relevant departments or seek legal help.

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