Legal analysis: It is definitely illegal for creditors to maliciously collect loans. Creditors can only collect debts if the debtor fails to pay off the debt as scheduled, but cannot collect debts violently. When violent debt collection occurs, we can call the police to protect our legitimate rights and interests. Because the debt collection activities of loan platforms or institutions must be within the scope permitted by law, if they are suspected of illegal detention, beating, intimidation and other illegal crimes, the parties can report to the public security organs as soon as possible. The police will definitely intervene in time to protect the victims. legitimate rights and interests. Generally speaking, when a loan contract is signed, the lender must repay the debt according to the requirements of the contract. If the debt is not repaid, the creditor can legally collect the debt. The loan contract shall be in written form, unless otherwise agreed on the loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. When entering into a loan contract, the borrower shall provide the true situation of the business activities and financial status related to the loan as required by the lender. 1. Encountered threats of text messages and phone calls. Countermeasures: Take screenshots of threatening text messages and keep them as evidence. It is best to record the conversation. You can collect enough evidence to complain to the Internet Finance Association, and the management staff should give you a reply. 2. Encountered violent collection at your door. Countermeasures: call the police.

Legal basis: "The People's Republic of China and the Civil Code"

Article 2 Civil Law regulates the personal and property relations between natural persons, legal entities and unincorporated organizations who are equal subjects .

Article 3 The personal rights, property rights and other legitimate rights and interests of civil subjects are protected by law and may not be infringed upon by any organization or individual.

Article 4 All civil subjects have equal legal status in civil activities.

Article 5 Civil subjects engaging in civil activities shall follow the principle of voluntariness and establish, change and terminate civil legal relationships according to their own will.

Article 6 When civil subjects engage in civil activities, they shall abide by the principle of fairness and reasonably determine the rights and obligations of all parties.

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.

Article 668: A loan contract shall be in written form, unless otherwise agreed upon for a loan between natural persons.

The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669: When entering into a loan contract, the borrower shall provide the true situation of business activities and financial status related to the loan as required by the lender.

Article 670: Interest on borrowings shall not be deducted from the principal in advance. If interest is deducted from the principal in advance, the loan shall be returned and interest calculated based on the actual borrowed amount.

Article 671 If the lender fails to provide the loan according to the agreed date and amount, causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, the borrower shall pay interest according to the agreed date and amount.

Article 677 If the borrower returns the loan in advance, interest shall be calculated based on the actual borrowing period, unless otherwise agreed by the parties.

Article 678 The borrower may apply to the lender for an extension before the expiration of the repayment period; if the lender agrees, the extension can be made.

Article 679: A loan contract between natural persons is established when the lender provides the loan.