It is illegal to come to collect money without my consent.

It is illegal to come to collect money without consent. Collection must be done reasonably and lawfully within the scope permitted by law, and door-to-door collection is legal under such circumstances. However, the following methods are illegal: illegal detention, illegal intrusion into a residence, and debt collection involving gangs. According to relevant laws and regulations, anyone who illegally searches another person's body or residence, or illegally invades another person's residence, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention. Judicial personnel who abuse their powers and commit the crime in the preceding paragraph shall be severely punished.

Effective collection is as follows:

1. Carry out after the overdraft exceeds the prescribed limit or prescribed period;

2. Collection should be done in a way that can confirm the cardholder’s receipt method, except where the cardholder intentionally evades collection;

3. There must be at least thirty days between two collections;

4. Comply with the relevant regulations or agreements on collection.

To sum up, if you are threatened, you can call the police or file a lawsuit in court. Online loan platforms, car loan companies, installment companies, and collection agencies that engage in harassment or threats through phone calls or text messages, snatch or misappropriate property, damage credit records, or invade homes will be treated as infringements and illegal acts and may immediately report to the financial regulatory authorities Make reports, expose the crimes of violent collections and loan sharking by online lending institutions, and call the police directly when necessary.

Legal basis:

Article 119 of the Civil Procedure Law of the People's Republic of China

Summons, fines and detention must be Dean's approval.

A custodial summons shall be issued.

Fines and detentions should be made in a written decision. If you are dissatisfied with the decision, you may apply for reconsideration to the people's court at the next higher level. Execution will not be suspended during the review period.

Article 120

The adoption of compulsory measures to obstruct civil proceedings must be decided by the people's court. Any unit or individual who illegally detains others or illegally and privately seizes others' property to pursue debts shall be held criminally responsible in accordance with the law, or be detained or fined.