Hello, this is illegal. If you owe money, you must repay it as soon as possible. Threatened by individuals or units, as long as there is enough evidence, you can call the police. Now we are also investigating and cracking down on illegal collection. The collector told you that suing the court if you don't repay the loan won't cause intimidation. I just told you in advance that the company will follow this process. If you and your relatives and friends are often harassed and threatened, you can record and keep the evidence. When necessary, you can bring a lawsuit to the people's court. I suggest you continue to pay it back, because it will waste your precious time and energy whether you call the police or sue. Unless you have to, you can solve it yourself and try not to bother others. I hope I can help you. If you often receive harassing phone calls and loan spam messages, you can report to 1232 1. 1232 1 Android has an APP, but Apple's IOS doesn't. Baidu 1232 1 can report it!