1069 The effective negotiation time is within 24 hours after sending the message.

1069 sending a message within 24 hours is an effective negotiation time and a debt collection. The ways to protect rights when encountering debt collection are: actively negotiate with creditors about repayment plan. Complain and report harassing phone calls and text messages. In case of violent collection, please report to the local police station. Violent collection may be suspected of illegal invasion of houses, illegal detention and other crimes. For more complicated debt collection and negotiation legal disputes, please consult a professional lawyer.