Is it true that most people send and receive messages saying that they come to the door?

Generally, it's fake, because it's just a means of ripening, so you don't need to take it too seriously.

There are generally two kinds of collection situations. 1 is the collection of credit cards and bank loans, and the second is the collection of online loans.

If you are faced with the collection of credit cards and bank loans, I suggest you actively solve it, and it is best not to maliciously overdue it, because it is likely to involve legal issues.

If you are faced with online loan collection, you need to repay the arrears as much as possible, and don't affect your normal life because of collection.

Let's talk about credit card collection and bank loans first.

When the user has a credit card or a bank loans overdue, the bank will generally assign the related business to a third party, and urge the user to repay the loan in this way. Some collection may refer to door-to-door collection, but because the current laws are relatively sound, there is no possibility of coercion or violence in the collection work. This kind of collected information is generally true and effective. I suggest you actively negotiate with the bank and don't maliciously overdue.

Second, the collection of online loans is relatively complicated.

For most online loans, these online loans are informal and the annualized interest rate is also high. The amount of online loans applied by users is not high. When users are overdue, online loan collection will generally exert psychological pressure on users, and sometimes it even means door-to-door collection. However, these are collection methods and generally will not be collected at home, because collection itself requires costs.

Third, no matter what the collection work is, you need to actively repay the arrears.

Modern society is a credit society, all products of bank products will be subject to personal credit investigation, and most of the network debts will also be subject to personal credit investigation. You should actively protect your personal credit, and don't affect your personal credit because of a small debt of several thousand yuan, otherwise it will affect your daily life. When applying for loans in the future, the bank will not grant loans to users with personal credit problems!

Regarding your question, I suggest that you actively repay the loan and don't worry about the collection at home.