Talk about my 4 ways to deal with debt collection and avoid violent debt collection 1. Credit card debt collection harasses family, friends and workplace. First of all, don’t refuse the bank’s debt collection call. Credit card is no better than online loan. If credit card can When contacting the person who owes the money, the bank is not allowed to call his family. If a credit card debt collection harasses your family, complain directly to the bank’s customer service. The premise is that you must have evidence, including call recordings. It absolutely works. 2. Credit card debt collectors will make countless calls a day, which is very annoying. As Kamijou said, you must answer them. If you don’t answer them, they will have reason to harass your family. You can tell him clearly that you are working and give him a time to talk. What time will I call you? The rest of the time is your working time. If I call you during working hours, what will I get in return if I lose my job? If you tell him this, he will generally cooperate with the collection. If he still doesn't cooperate, continue to complain to the bank's customer service. 3. Send you letters in the name of lawyers, police, courts, etc. This situation also occurs with online loans. This means outsourcing the debt. These are the methods used by the outsourcing company to pretend to be fake. At this time, if you want the name of the company, which entrusting agency, and you have certain evidence, you can continue to complain to the bank customer service. If the evidence is very sufficient, call the police. It is also guilty of impersonating a government department to inappropriately intimidate the debtor. 4. The credit card information that says your credit card is fraudulent is usually true. There are three conditions for fraud. The overdraft principal is greater than 20,000, the debt has not been paid after three collections, and there is no repayment record in the past three months. These three conditions constitute fraud. If one of them is not established, then it is not. 5. Credit card overdue solution If the credit card is overdue due to one-time repayment difficulties, you can negotiate with the bank for personalized installments, with a maximum of 60 repayments, suspension of interest, suspension of reminders, and suspension of prosecution. This article is not to tell you how to default on your debt, but to tell you how to deal with debt in a calm and appropriate way. The handling methods I introduced are only used to deal with violent collections that violate regulations, so don’t be arrogant!