It is legal for collection agents to come to your home.

As long as there is no violent collection or intimidation or threats, it is legal for the collection company to come to your home. However, the borrower has the right to refuse the collection personnel from entering the house. If you encounter a forced intrusion into the house, you can call the police for help.

Bank collection process:

1. When the credit card is overdue for a few days, the owner of the credit card will receive a text message and a call from the bank’s customer service, asking him to repay the loan. The attitude is very Gentle, the tone may be better;

2. If you ignore the repayment text message, there will be specialized bank collection personnel to collect the money, and the collection personnel will have a more serious attitude;

3. If the bank collects debt and fails to repay, it will be handed over to the legal department. The attitude is very tough and threatens to issue a lawyer's letter;

4. After threatening debt collection, the debt is not repaid. , the bank will report it to the central bank for credit reporting, forming a credit stain, which will have an impact on future loans and card applications, and bank services will close the door to you.

To sum up, debt collection targets should comply with the relevant requirements of laws and regulations, and should not harass irrelevant personnel.

Legal basis:

Article 42 of the "Public Security Punishment Law"

Whoever commits any of the following acts shall be detained for not more than five days or fined not more than 500 yuan The following fines may be imposed; if the circumstances are more serious, the person shall be detained for not less than five days but not more than ten days, and may also be fined not more than five hundred yuan:

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

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

(3) Fabricating facts to frame others in an attempt to subject others to criminal prosecution or public security management penalties;

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

(5) Repeatedly sending obscene, insulting, threatening or other messages to interfere with the normal behavior of others Daily life;

(6) Peeping, filming, eavesdropping, and spreading other people’s privacy.