The reason for this is the following：

1. Infringement on personal rights and interests: illegal collection may involve personal threats, insults, intimidation and other acts, which infringe on the personal dignity and legitimate rights and interests of borrowers.

2. Increased psychological pressure: Malicious collection will lead to the borrower's psychological tension, anxiety and depression, which will have a negative impact on his daily life and work.

3. Damaged social image: After being infringed, the borrower may complain to the society and share bad experiences, which will have a negative impact on the reputation and credibility of the collection agency or platform.

4. Increased legal disputes: Illegal collection may trigger the borrower to file legal proceedings or complaints against the collection party, leading to long-term disputes between the two parties.

Summary: Illegal collection has caused personal and psychological harm to borrowers, and has also had a negative impact on the reputation and legal risks of the collection party. We should pay attention to the legal and standardized collection methods, protect the legitimate rights and interests of borrowers, and maintain a good social order.

Extended data:

According to China's relevant laws and regulations, the collection behavior is restricted and regulated to some extent, including but not limited to "People's Republic of China (PRC) Consumer Protection Law" and "People's Republic of China (PRC) Criminal Law". If the borrower encounters illegal collection, he can complain to the relevant departments or seek legal assistance. At the same time, borrowers should be cautious when choosing online lending platform, and understand the credibility and user evaluation of the platform to reduce the risk of overdue debts and illegal collection.