To say the least, even if you do go, close the door and don't let them in. If they break into houses, throw red paint and put up posters, you can call the police station in the local jurisdiction. It is illegal to collect debts at home, and beating, smashing and looting are illegal and criminal.
Whether the online loan will be prosecuted depends on the litigation cost of the other party; As for whether you will be called to collect debts, this is relatively simple. As long as there are other ways, no matter what online loans, there are other ways, and it is easy not to come to you. The possibility of door-to-door collection is relatively small, the cost is too high, and the risk is too great. People are also doing business and are not stupid. People can play straight ball. Why did they choose this kind of edge ball? You know everything with your toes. Even if the other party used the collection, wouldn't it blow up your phone and your family's phone? What can you do? ! People call your address book, send messages to all your telephone contacts, tell them that you are in debt, and even disturb your contacts, so that your contacts can call you to ask what's going on and put pressure on you. Is it sweet? How can you solve such a thing? People put pictures of you and your family at the door of your community, and the words "I don't pay my debts" and "Lao Lai" are written in big letters below, which makes you lose face in front of your neighbors, be pointed at, then brush off your clothes and remain anonymous. Isn't that sweet? ! People don't have to use these low-cost and low-risk methods, why do they have to collect them at home?
If you are disturbed by the phone, it is difficult for the police to solve it after the alarm; However, if the other party comes to the door, you will immediately report to the police station in the jurisdiction, and the police station will immediately stop the other party. Therefore, unless absolutely necessary, the other party will not come to the door.
So, to sum up, you can refuse, and the other party can ignore your refusal and make a hard door-to-door collection; In case of violent conflict, call the police immediately. But in fact, it is necessary to collect money at home, 99% of which is to scare you.