False, overdue online business loans will affect personal credit information, but generally there will be no door-to-door collection.

With the development of finance, many people borrow money from financial institutions, and online merchant loans are loans from online merchant banks. Because of the convenience of loan procedures, many people borrow money from online merchants, but the interest rates for peer-to-peer lending are very high, and many people are overdue because they cannot repay on time. There will naturally be collections for overdue loans, and some people are worried that online merchant loans will be collected at home because they are overdue. Online business loans are small online loans and face many customers. If you collect at home, it will increase your own costs, so collection is generally done online and there will be no door-to-door collection.

1. SMS collection is aimed at borrowers who have not been overdue for a long time. It basically sends you a text message to remind you, or the company's robot automatically sends some network-collected text messages, which is basically a reminder. For example, when a credit card is 2/3 overdue, you will receive a text message reminder.

2. Telephone collection is also the most commonly used method of collection because of its low cost. Currently, there are many electronic call companies or call centers in society. They recruit a large number of telephone collection personnel or customer service collection personnel, and the education level of the recruiters is not particularly high. It can be used by technical secondary schools, high schools, and junior colleges, and the cost is relatively cost-effective. Adopt a basic salary plus commission model. Telephone collections emphasize communicating and applying pressure over the phone with the debtor or the debtor's contacts. Because there are phone lines between them and you can't see yourself, there are many techniques for phone collection, such as increasing the frequency of calls and calling borrowers at different times.

3. Use some current network tools, such as email, QQ, and WeChat, because some debtors may have turned off their mobile phones or changed their numbers and cannot find anyone, but their WeChat or their email addresses may still be there. use. This method basically targets some offenders who have lost contact.

4. Legal collection. Some companies may take legal collection measures when encountering malicious breach of contract by some customers who have the ability to repay or committing large amounts of fraud. Legal collection is one of the main methods of collection for some banks. Mainly for some business owners, because the amount involved is relatively large, the legal collection process is more complicated by mailing a lawyer's letter or a demand notice to your residence, and then suing in court. Basically, these cases will be packaged to law firms and accepted by law firms.

5. Going out for a visit, commonly known as door-to-door collection. There are also two situations. The first one is to visit your home regularly to collect money, including sending letters, looking for family members, looking for relatives, and looking for work leaders. Through these people's side pressure and regular door-to-door collection, they basically bring cell phone cameras, contract information and some may also bring lawyers. This kind of collection is basically a door-to-door visit by company employees, which mainly causes a kind of psychological pressure on the debtor and his family, but within the scope of the law, he has not violated the law. Door-to-door collection and packaging to some debt collection agencies. The methods of door-to-door debt collection by debt collection agencies may be quite extreme, including painting, stalking, swearing, beating or even kidnapping. This kind of debt collection company has no bottom line, and its personnel are also composed of some unemployed people in society. They deal with bad debts that are basically dormant accounts, and the amounts will be relatively large. They hover around the law and even break the law, like some loan sharks.