When our debts are overdue for some reason, we will face collection and repayment from financial institutions**. If it is the collector of the financial institution itself, then it will be relatively mild, and it will strictly abide by laws and regulations, such as contacting during working hours, stopping reminders on holidays, etc., which will not cause much confusion to the debtor. However, when the deadline is overdue for a certain period of time, the financial institution will outsource the collection business and let the third-party collectors be responsible, because the quality of these personnel is uneven, which will cause a lot of confusion to the debtor. Here are some common situations in which a debt collector may be considered illegal:
1. The use of violent collection methods, the use of threats, intimidation, beatings and other means to collect, in violation of the law, will constitute a crime or illegal acts.
2. If the debt collector adopts illegal means to restrict the personal freedom of others, such as illegal detention and house arrest, then this kind of behavior is also illegal and needs to bear legal responsibility.
3. Some unscrupulous debt collectors may take advantage of their positions to leak the personal information of the debtor to other third parties, so that other third parties can give the debtor a higher interest rate to borrow and repay the old one, which involves infringing on the privacy of others.
As debtors, we should abide by laws and regulations, repay debts in a timely manner, and avoid unnecessary disputes and losses. If we really fall into the overdue due to difficulties, we should also pay attention to protecting our legitimate rights and interests, seek help such as interest suspension and reduction, and report to the police or complain to the relevant departments in time for illegal debt collection. Liabilities are overdue