Legal analysis: Collection is not illegal, only violent collection is illegal. Repayments should be made as soon as possible so that there are no collection worries. If the debt is overdue or fails to repay after two reminders, the person concerned will be sued. First, after multiple reminders, if the party still fails to repay, a civil lawsuit will be filed in court. After trial by the People's Court, if the party concerned still fails to repay the loan, the case may be transferred to the public security organs for investigation and formally established as a criminal case. After investigation by the public security organs, the case will be sent to the procuratorate for prosecution in court.

Legal basis: "The People's Republic of China and the Civil Code"

Article 667 A loan contract means that the borrower borrows money from the lender and returns the loan and pays it when due interest contract.

Article 668: A loan contract shall be in written form, unless otherwise agreed upon for a loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.