Bank debt collection is divided into three major links:

(1) The bank itself makes one reminder, two reminders and three reminders.

In the first few months, the bank's credit card center will regularly call the customer to collect the debt. The first call is commonly known as the first call. If the customer does not pay, the customer will be called again within a period of time. , commonly known as the second reminder, press this operation, and there will be a third reminder.

(2) Entrust a law firm to write reminders

If the customer still does not repay after multiple collections, the bank will package the collection business to the law firm, and the law firm will take Sending lawyers' letters and other methods to collect debts from customers is a process commonly known as debt collection in the industry.

(3) Entrust a debt collection company to force the debt collection

If the debt collection company has no effect, the bank will package the collection business to professional debt collection companies in the society. These debt collection companies Generally, they have names such as "finance company" or "consulting company", and the debt collection function is generally not included in the business scope.

Extended information:

The "three crimes" of illegal debt collection

(1) Illegal detention

If the borrower refuses to repay the debt Under the circumstances, some people will choose to take drastic actions similar to the defendant in this case. The judge reminded the general public that even if the debt they are demanding is legal, if they take actions such as kidnapping or detention, it will violate the criminal law. Only legal means such as civil litigation or arbitration can protect their legitimate rights and interests.

(2) Extortion

Some of the so-called "professional debt collectors" and "debt collection companies" currently in society are illegal. If citizens have similar economic disputes, they must take legal channels. They must not take chances and seek help from "social gangsters" to collect debts through improper means. Otherwise, it is easy for criminals to take advantage of them, and in the end they may themselves Both people and money were lost, and they were punished by law.

(3) Intentional injury

Be calm when encountering problems, and learn to use legal weapons to protect yourself when your legitimate rights and interests are infringed. Never act impulsively, otherwise you will only lose money. The lady lost her troops again.

People's Daily Online - Bank debt collection reveals: Citizens are worried about personal information being leaked

People's Daily - "Three crimes" of illegal debt collection