Is SMS collection illegal?

It is not illegal to send collection messages, but in the process of collection, some collection personnel's behaviors are illegal, and abusive and threatening behaviors still exist.

Intimidation, verbal abuse, posting posters, painting and illegal detention are absolutely unacceptable.

In the process of collection, it is illegal to disclose the debtor's loan information or other information to a third party at will.

No matter what the situation is, you should have the corresponding quality and don't do anything illegal. If you send insulting or threatening information to the other party, it will have a serious impact on the other party's life, and you constitute a crime.

Illegal collection includes:

1. Calling relatives or friends in the borrower's address book without the borrower's permission, harassing for many times;

2. Intimidate or threaten the borrower or relatives and family members of the address book by means of WeChat or SMS;

3. The borrower calls more than 3 times within one day after the deadline;

4. The borrower fails to make timely overdue collection;

5. Disclosure of personal information of the borrower;

6, to the borrower's home or work unit collection caused serious damage to personal reputation;

7. After overdue, the overdue fee is higher than the overdue interest rate stipulated by the bank;

8. Induce the borrower to borrow from other platforms to repay the loan from this platform;

9. Use illegal software SMS to bomb the borrower's mobile phone number;

10, posing as a staff member of the state law enforcement agency to intimidate borrowers, violently accepting money and other illegal acts.

Legal basis: Article 42 of People's Republic of China (PRC) Public Security Administration Punishment Law.

One of the following acts shall be detained for not more than five days or fined not more than five hundred yuan;

If the circumstances are serious, they shall be detained for more than five days and less than ten days, and may be fined up to five hundred yuan:

(1) writing threatening letters or threatening the personal safety of others by other means;

(2) publicly insulting others or fabricating facts to slander others;

(3) fabricating facts, falsely accusing and framing others, and attempting to subject others to criminal investigation or public security administration punishment;

(4) Threatening, insulting, beating or retaliating against witnesses and their close relatives;

(5) sending obscene, insulting, intimidating or other information for many times to interfere with the normal life of others;

(six) voyeurism, sneak shots, eavesdropping, spreading the privacy of others.