In modern societies, the debt problem has become a major challenge for many. For debtors, what has always been the greatest concern is the follow-up and coercion to take action. A common way of doing so, however, is to go to the door. However, the question of whether the consent of the debtor is required for door-to-door collection has been a matter of concern and controversy。

Do you need your consent

First of all, let us look at legal provisions. Under article 92 of our Contract Law, creditors may pursue recourse in a reasonable manner from the debtor, without specifying whether their consent is required. However, article 29 of our Civil Code provides that a debtor must respect the debtor ' s human dignity and property rights in the event of a debt collection, and that the use of violence or threats of improper means is strictly prohibited, which also means that the debtor ' s consent is required in the collection process. In addition, a number of local statutes or administrative provisions may have more specific provisions on door-to-door alerts, and therefore the need for debtor consent may vary depending on the region。

Second, from an ethical and ethical point of view, the debtor ' s interests should also be taken into account in debt collection. The act of collection involves the debtor's privacy and personal security, and a door-to-door collection without the debtor's consent may infringe upon its legitimate interests. Most people want to protect their privacy, and if, without permission, strangers break into the house to collect debts, they may cause anxiety and panic among debtors. Thus, from an ethical and ethical point of view, debt collection should be carried out within a legal and reasonable context and with respect for the wishes and interests of the debtor。

However, although there may be some controversy in the door-to-door collection, it also has a legitimate reason for its existence. First, in some long-suffering debt cases, the debtor may resort to a strategy of avoiding repayment, not answering telephone calls, not responding to text messages, etc. In such cases, home-to-door collection can provide an effective means of debt recovery, and it can communicate more directly with the debtor for the purpose of collection. Second, some debtors may deliberately conceal their true addresses, resulting in the failure of the collecting agents to receive repayments, and a door-to-door call could address this problem and ensure that collections proceed smoothly。

In the light of the above, there is some controversy as to whether the consent of the individual is required for the collection. From a legal point of view, it was not clear at present; from an ethical and ethical point of view, the debtor ' s wishes and interests should be respected. However, in some cases, door-to-door collection can provide an effective means of debt recovery. Therefore, we need a reasonable and legitimate door-to-door collection based on the protection of the legitimate interests of the debtor。