Is there a collection form of "soft violence"?

Financial markets such as credit consumption market and peer-to-peer lending market are booming, and many people realize "consumption upgrade" through online loans. Compared with the traditional credit methods such as bank loans and credit cards, the supervision of online loans is relatively loose and there is a lack of a perfect credit information system. Debtors' default behaviors, such as violating legal repayment obligations, have promoted the rise of debt collection industry. Debt collection industry refers to a professional debt collection company that, after accepting the entrustment of legal creditors such as financial institutions or the transfer of creditor's rights, assigns professional debt collectors to collect legal debts from debtors through legal consultation, negotiation and settlement, psychological communication, etc. Debt collection itself is a legal means to realize creditor's rights, but if illegal means are used to collect debts, it should be regulated by law. At present, the debt collection industry in China has not reached professional standards. Due to the lack of access mechanism and effective supervision and management, debt collection companies often have illegal debt collection phenomena of different degrees, such as violence, intimidation and harassment, and their means and behaviors show a trend of transformation from "hard violence" to "soft violence". There are three ways to collect: 1. Repeated pressure on debtors and emergency contacts to ask for credit information (saying that it will "affect the personal credit information of the person being collected"), legal pressure (saying that the person being collected will be "suspected of committing a criminal offence"), door-to-door pressure (door-to-door debt collection), etc. The second is to carry out the above acts on the contacts in the debtor's address book; Third, the above-mentioned personnel harassed the phone by insulting, "group calling" and bombing software. Whether the above-mentioned collection behavior constitutes "soft violence",