Is it illegal to explode the address book for collection? How to deal with it?

According to the relevant laws of our country, it is illegal to explode the address book. Exploding address book is the most common collection method at present. At present, online loans will ask for the borrower's mobile phone address book when lending money, so that the borrower can harass the contacts in the address book through the address book when the loan is overdue. At present, the state prohibits online lending platforms from harassing people other than borrowers, and collection personnel are not allowed to harass debtors and others by frequent phone calls, and personal information such as debtors' debts, overdue and breach of contract is not allowed to be disclosed to people other than debtors.

If the exploded address book meets the following conditions, it can sue for compensation:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in this case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) Belonging to the scope of civil litigation accepted by the people's court and the jurisdiction of the sued people's court.

The exploded address book is an infringement. If the actor infringes on the civil rights and interests of others due to his fault, he shall bear the tort liability.

Legal basis:

Internet finance overdue debt collection self-discipline convention

Article 1 In order to regulate the overdue debt collection of Internet finance, protect the legitimate rights and interests of creditors, debtors, related parties and Internet financial institutions (hereinafter referred to as institutions), and promote the healthy development of the Internet finance industry, according to the Guiding Opinions on Promoting the Healthy Development of Internet Finance and the Implementation Plan for Special Remediation of Internet Financial Risks, the general requirements and regulatory principles are put forward. Interim Measures for the Management of Business Activities of Peer-to-Peer Lending Information Intermediaries and Notice on Standardizing and Rectifying Cash Loan Business, according to the Criminal Law of People's Republic of China (PRC), the Law of People's Republic of China (PRC) on Public Security Administration Punishment, People's Republic of China (PRC) and