Door-to-door debt collection is an important way of debt collection. If you have complete debt credentials, as long as you don't take violence, threats, intimidation and other means prohibited by law; It is legal to go to the door to collect debts, and even if you call the police in this case, the police will let them negotiate and deal with it. The police cannot directly intervene in economic disputes. If it is a malicious act of collecting threats and insulting information, you can collect evidence, call the police or complain to the network supervision department.
Collection is a civil act to remedy bad debts of enterprises or individuals. The parties to the collection are the creditor and the debtor. If the debtor is unable or unwilling to repay the debt, the collector will exert pressure on him through some civil means to urge him to fulfill his debt. The goal of collection is "bad debts". When enterprises or individuals can't recover bad debts or debts, the collection industry was born.
The collected creditor's rights include financial creditor's rights, quasi-financial creditor's rights and non-financial creditor's rights. Financial creditor's rights include the creditor's rights formed by loans and credit cards from licensed institutions such as banks, trust companies, auto finance and consumer finance. The creditor's rights formed by quasi-financial institutions such as microfinance and peer-to-peer lending also have certain financial attributes and are quasi-financial creditor's rights.
Non-financial creditor's rights include various accounts receivable of non-financial enterprises, such as public utility fees, telecommunications fees, medical expenses, etc. In terms of amount and quantity, financial creditor's rights and quasi-financial creditor's rights account for a large proportion, and the relevant laws and regulations for collection are mainly aimed at financial creditor's rights and quasi-financial creditor's rights.
legal ground
Criminal law of the people's Republic of China
Article 196 Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Article 293 In any of the following circumstances, illegal debts such as usury shall be collected. If the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined:
(1) Using violence or coercion;
(2) restricting the personal freedom of others or intruding into others' houses;
(3) intimidating, stalking or harassing others