Can I refuse to send a reminder letter to my residence?

First, the nature and purpose of the reminder letter.

Dunning letter is usually a formal letter sent by creditors to collect debts, aiming at reminding debtors to fulfill their repayment obligations. However, the issuance of the collection letter must comply with relevant laws and regulations to ensure that the legitimate rights and interests of the debtor are not infringed.

Second, the rights and choices of the addressee.

When a reminder is sent to the debtor's domicile, the recipient, that is, the debtor, has the right to choose independently. If the debtor thinks that the content of the reminder is inconsistent with the actual situation or controversial, he may choose to refuse it. In addition, if the debtor is worried about the disclosure of personal information or unnecessary harassment, he can also refuse the dunning letter.

Third, handle the dunning letter reasonably.

Even if you choose to refuse the dunning letter, the debtor should still properly handle the debt problem with the creditor. It is suggested that the debtor should get in touch with the creditor in time after refusing the collection letter to understand the specific situation of the debt and seek a reasonable repayment plan. At the same time, the debtor can also consult professional lawyers or relevant institutions to understand their own rights and interests and coping strategies.

Fourth, protect personal information and rights.

In the process of handling the collection letter, the debtor should pay attention to protecting the safety of personal information and avoid leaking it to criminals. In case of malicious collection or infringement of personal rights and interests, the debtor may complain to the relevant departments or seek legal assistance.

To sum up:

When the collection letter is sent to the domicile, the recipient has the right to choose whether to accept it or not. The debtor should reply to the collection letter reasonably, communicate with the creditor to solve the debt problem, and pay attention to protecting the safety and rights of personal information.

Legal basis:

Contract law of the people's Republic of China

Article 80 provides that:

Where the creditor transfers its rights, it shall notify the debtor. Without notice, the assignment is invalid to the debtor.

The notice of the creditor's transfer of rights shall not be revoked, except with the consent of the transferee.

Postal Law of People's Republic of China (PRC)

Article 35 provides that:

Postal enterprises shall deliver mail in time according to the time limit stipulated by the postal administration department of the State Council.

Postal enterprises should be responsible for the safety of mail. Postal enterprises shall compensate users for their losses in accordance with the provisions of this law, except that mail is lost or delayed due to force majeure or user's fault.