Legal analysis: First of all, the CBRC allows banks to entrust three parties to collect money, and also allows emergency contacts to be called under appropriate conditions, but it must be supervised. The first point: Unless the debtor has lost contact for many times, the credit card collection has no right to call his family, and he can only make a call by calling the reserved emergency contact number and the incoming family number, such as parents and partners.

The second point: credit card collection, calling the family, the emergency contact left by the debtor when applying for a credit card, and the corresponding three-party contact. Collection content: Three-party collection is not allowed to collect from a third party unrelated to the debt, but only plays a role of informing. Ask the third party to inform the debtor to answer the phone, etc. , and shall not explicitly inform the debtor of the debt information.

The third point: in the process of collection, abuse and insult occur, and the third party clearly informs the debtor of the debt situation and demands to be responsible for the debt. It has caused collection trouble to the third party, long-term telephone or SMS harassment, etc. This kind of collection behavior affects the lives and work of innocent people and is illegal.

Legal basis: Article 1 19 of the Civil Procedure Law. The prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.