1. How to deal with the threat of text messages sent by the collection company (1) Report through the 12321 platform. If our loan or credit card is overdue and the collection staff sends threatening text messages while urging us to repay, it is a violent collection, and we have the right to report it. We can report the threat of receiving a text message from a collection company through the platform of 12321, which is a public complaint accepting institution set up by the Ministry of Industry and Information Technology in internet society of china. We can submit the information content of our received threat through its official website, official telephone, mobile APP, WeChat WeChat official account, email and other channels, and the platform will contact the collection company after verifying the information to safeguard our rights and interests. (II) Reporting through China Internet Finance Association that China Internet Finance Association is a national-level self-regulatory organization of Internet finance industry established by relevant state departments. It is improper to collect the company's threatening behavior by sending short messages, including within the reporting scope stipulated by the platform. We can log in to official website of China Internet Finance Association, and click on the reporting platform in the service window to report online. In the process of reporting, we need to pay attention to the fact that we must report by real name, submit detailed evidence of illegal facts as the attachment of the report, and the same reporter can submit up to 5 reports every day. Within 15 working days after receiving the report information, the platform will preliminarily verify the reported matters and forward them to relevant management departments for handling. (3) It is an infringement and illegal act for the company to report the case through the public security department. We can report the case through the public security department. When we report the case to the public security organ, we should sort out all the evidence that the collection company sent us threatening text messages, and collect the evidence that can explain the facts such as screen shots of text messages. If the public security organ finds that our rights have been violated, and the disclosure has caused some adverse consequences, and there is conclusive evidence, it will report to the police and the public security organ will file an investigation. After the case investigation results are obtained, we will receive a notice from the public security organ.

2. How to avoid receiving threatening text messages (1) Choosing a formal loan platform Generally speaking, violent and improper collection is not allowed, and formal financial institutions will not conduct violent collection, so when we apply for loans or credit cards, we should choose a formal licensed financial institution to apply. Applying through formal financial institutions can not only protect our rights and interests in the process of using loan funds and credit cards, but also avoid some violations of laws and regulations from harassing our daily lives. (2) The fundamental reason for ensuring timely repayment is that we are overdue. If we can repay the arrears on time in the process of repaying the loan or using the credit card, we will not be harassed by the reminder message or phone call. For us, timely repayment can not only protect us from the harassment of collection, but also have a great impact on our credit level. Only by timely repayment can we have a good level of credit reporting, which will help us to apply for subsequent loans or credit cards.