Is it illegal for debt collectors to use soft violence?
Illegal. Creditors should collect debts from debtors in a civilized and legal way. If the creditor comes to collect debts and the debtor is temporarily unable to repay the debts, he may negotiate with the creditor and sign installment payment or deferred payment to pay off the debts. If the creditor refuses to give in, threatens or intimidates the debtor, or uses violent means such as beating and illegal detention to demand debts, the debtor should report to the police for handling while ensuring the safety of himself and his family.
Is it legal to call family and friends to collect credit cards?
If the bank's collection staff calls the emergency contact number filled in by the cardholder when handling the credit card, it is legal as long as it does not cause harassment. It is illegal for the bank's collection staff to call other relatives and friends of the cardholder.
When applying for a credit card, the bank should fill in the emergency contact person. There are two emergency contacts, one is a relative and the other is a friend. Once the cardholder is seriously in arrears, the bank will definitely contact relatives first, but generally will not contact the cardholder's friends. As long as the cardholder evades the collection, the bank will contact the cardholder's friends only after contacting the family without success, but the bank will contact the relatives knowing that the cardholder has been unable to repay the arrears and wants to tell the cardholder's relatives about the current situation and the arrears.
The general bank's collection staff will only tell the cardholder's family to urge the cardholder to repay the loan or ask the cardholder's family to persuade the cardholder to repay the loan as soon as possible, and will not directly urge the cardholder's family to repay the loan. Although the bank can call the emergency contact to inform the cardholder's relatives, it is illegal for the bank to call every day.