If Everbright Bank is overdue, as long as it can contact the lender himself, it will basically not contact the home.

Under normal circumstances, according to the relevant regulations of the state, there is no way for the bank to directly contact the relevant family members, because as long as it can contact the lender himself and communicate with the lender himself, it will not go beyond the emergency contact person to negotiate. Not necessarily if it is handed over to the collection company for a long time. Collection companies like to contact their families best.