In fact, this so-called online loan legal department is a third-party collection company. They can collect money, but they have no right to investigate your situation. For example, personal family situation, personal assets and so on. And the collection should be within a reasonable and legal range. One of the following acts is illegal:

1, illegal detention. Refers to the criminal act of illegally depriving others of their personal freedom by detention, confinement or other coercive methods. That is, the collection personnel illegally restrict your personal freedom and force you to pay off the loan.

2, illegal intrusion into the house. It refers to the act of illegally invading other people's houses without the consent of the house owner, or refusing to quit after the request of the house owner. If collectors come to your house, they are not allowed to enter your house without permission unless you invite them.

3. Black-related debt collection. Mainly refers to the creditor through the underworld to collect debts, divided into two situations: First, the creditor himself is a member of the underworld. Secondly, creditors collect debts through the underworld (such as debt collection companies involving the underworld).

If the other party has the above behavior, you can choose to call the police. But calling the police can only solve the temporary problem, and the problem of your arrears has not been solved. If you don't have enough money to repay for the time being, then I suggest you negotiate with the online loan platform to repay in installments. You can negotiate with each other like this:

1, according to your own ability, pay back part of it first, and the rest in installments.

2. List your repayment plan, set the final repayment time, and let the other party agree with your repayment plan.

3, show your attitude, show that you don't want to repay, and it is really difficult at the moment, I hope the other party will be tolerant for a while.

After the negotiation is over, you can start making money. Try to pay back the money as planned, after all, it is only natural to pay back the money in debt. Otherwise, this kind of door-to-door collection will happen again, and you can't call the police every time.