According to Tianyancha, the legal collection companies are Aauto Quicker, Baoshou, Assets 360, Aauto Quicker, Enoch Yin Hua, Gao Bai, Hua Tuo, CBC, Yongxiong and Wancheng. Third-party collection companies are legal as long as they are legal. When the debt is overdue for a certain period of time, the loan platform will resell it to a third-party company at a low price in the form of packaging and transfer its creditor's rights when it is confirmed that the debt to you is irrecoverable.