What are the simple ways to collect debts?

The collection methods of creditor's rights include: filing a civil lawsuit with the court for collection; And telephone collection; Letter collection; Lawyer's letter collection; And legal channels such as door-to-door collection. But you can't use violence, coercion, intimidation or abuse to collect money.

legal ground

Article 120 of the Civil Procedure Law of People's Republic of China (PRC)

The prosecution shall submit a complaint to the people's court, and submit copies according to the number of defendants. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.

Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

The issuing bank shall collect debts from the debtor himself and his guarantor, and shall not collect debts from any third party, and shall not use violence, coercion, intimidation or abuse to collect debts. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.

Article 69

The credit card collection letter shall fully disclose the following basic information to the cardholder: the cardholder's name and balance in arrears, the reasons for collection and relevant laws and regulations, the cardholder's relevant rights and obligations, the way to inquire about the account status, repayment, the way to raise objections and provide relevant evidence, the contact information of the issuing bank, the official seal of relevant business, and other contents stipulated by the regulatory authorities.