Is it legal for an online goods lender to call all the borrower s address book friends?

This is certainly not legal, and if you have nothing to do with the lender, you can directly report this kind of thing to the police, which is wanton harassment.

To be precise, if the debtor does not install the specified time to repay the loan, the general online loan will choose this method, which is not illegal, but it is also not legal.

Collection methods of credit account merchants 1. **Collection: Collectors use ** to communicate, avoid human pressure and embarrassment, and reduce direct conflicts, but the effect varies from person to person. 2. Outbound visit collection:

When the collection fails, it will be assisted by a reasonable and legal on-site visit. Outbound collection is a very direct and effective collection method, which is used by many banks and microfinance institutions. 3. Outsourced collection:

Entrust the non-performing loan project to a qualified third-party collection company for collection. It can save the manpower and material resources of the entrusting unit, and rely on a professional third-party agency to better pay the arrears, but the cost is higher. 4. Online auction:

Under the conditions permitted by laws and regulations, the debtor's assets, such as houses, cars, creditor's rights, etc., are made into products suitable for investment, and auctioned on the Internet, so that the overdue amount can be repaid at a faster speed. 5. Litigation collection: that is, filing a lawsuit with the court for collection, including civil litigation and criminal litigation.

The debtors targeted by litigation collection are mainly borrowers who are able to repay but do not repay. 6. Personal information is pressured or added to the blacklist: The personal information of overdue users on the P2P platform is used to collect, but if the operation is not careful, it is suspected of violating privacy, and it is rarely used in the industry.

The fourth step is to file the "Credit Merchant Account Collection Letter" with the association. The fifth step is to deliver the "Credit Merchant Account Collection Letter". Sixth, the debtor can raise an objection to the reasons for the formation of the debt within 5 days after receiving the "Credit Merchant Account Collection Letter", otherwise, it will be deemed to have no objection.

Where the debtor raises an objection, the international credit practitioner shall listen carefully and review it, and give feedback to the client. If the evidence and reasons for the objection can fully prove that the debt does not exist, the collection procedure shall be suspended. International credit practitioners may issue professional opinions based on the statements of the client and the debtor, as well as relevant evidence and reasons.

In the seventh step, if the debtor requests repayment according to the "Credit Merchant Account Collection Letter", the payment date and amount shall be added to the "Credit Merchant Account Collection Letter" originally recorded, and the repayment unit shall reply to the letter.