When you apply for Internet credit, you need to fill in the emergency contact number. The call is often an important means used by the caller to contact you when the loan is overdue. However, the use of this emergency contact call requires caution and an understanding of its responsibilities. This paper will explore this issue in depth。

Can you call the emergency contact when the loan is overdue? What is the responsibility of the emergency contact

Under the relevant laws and regulations, borrowing contracts usually include provisions for late repayment and collection. If the contract expressly provides for a reminder to be made by an emergency contact person, this is lawful。

Of course, the protection of personal privacy and respect for the rights and interests of others are essential. In some countries or regions, the law may provide that too much information may not be disclosed to emergency contact persons or that they are contacted frequently. Emergency contact calls are generally used to confirm the whereabouts of borrowers or to induce them to fulfil their repayment obligations, rather than to pursue debts directly。

Such communication is feasible if the caller communicates with the emergency contact person in a polite and professional manner and if the content of the call is in accordance with local law and there is no harassment, threat or violation of the rights or interests of others。

As emergency contact points, their primary responsibility is to provide genuine and effective contact information and, if necessary, to cooperate with the collecting party to obtain information on the status of borrowers. This helps to safeguard the interests of both lenders and facilitates the successful completion of repayments。

Legal consequences may arise if the emergency contact provides false information or intentionally interferes with the collection process. In a number of countries or areas, a fictional relationship or other fraudulent conduct may be considered illegal。