Third-party collection companies are legal as long as they are legal. When the debt is overdue for a certain period of time, the loan platform will resell it to a third-party company at a low price in the form of packaging and transfer its creditor's rights when it is confirmed that the debt to you is irrecoverable. According to Tianyancha, the legal collection companies are Aauto Quicker, Baoshou, Assets 360, Aauto Quicker, Enoch Yin Hua, Gao Bai, Hua Tuo, CBC, Yongxiong and Wancheng.