First of all, stay calm. In the face of telephone harassment, don't get excited or panic. Keep calm and control your emotions. This can better cope with the situation and avoid impulsive words or behaviors.
Second, know your rights. You have the right to ask the creditor to handle the collection reasonably, and you can't infringe on your legitimate rights and interests. Creditors have certain norms and restrictions in the process of collection, and personal attacks or harassment are not allowed.
Third, communicate with creditors. You can take the initiative to communicate with lending institutions or creditors, explain your own difficulties, and put forward a reasonable collection plan. Negotiation may find a solution to avoid excessive harassment.
To sum up, it is very bad for loans overdue to harass his home by phone, but we can keep calm, know our rights and communicate with creditors. Dealing with this kind of problems reasonably can help you solve your predicament through good communication and mutual understanding.
Extended data:
China's "Debt Law" and "Consumer Protection Law" regulate and protect creditors and consumers. The law clearly stipulates that the creditor shall not infringe the personal rights and interests of the debtor or his family in any way, and shall not harass or threaten the debtor. If you encounter illegal or unreasonable behavior in the process of collection, you can complain to the local legal department or consumer association to safeguard your legitimate rights and interests.
In addition, it is recommended that you pay more attention to the loan process to ensure timely repayment and avoid unnecessary harassment or disputes caused by overdue. If you can't repay within the repayment period, you can contact the creditors in time to explain the situation so as to seek a reasonable solution.
It should be noted that the above suggestions are for reference only, and specific countermeasures need to be judged and formulated according to personal circumstances and laws and regulations. For specific and effective suggestions, please be sure to consult professionals or consulting institutions in related fields.