I found that many young people especially like to spend in advance, and some people applied for credit cards when they went to school. After the credit card quota is used up, some people even choose online loans. This kind of behavior is very dangerous and will destroy a person's credit system. Some people will write the emergency contact when applying for a loan as someone around them. When the borrower fails to do so, the life of the emergency contact will also be affected.
First, you need to identify yourself.
If you receive such a call, you need to verify the identity of the other party first, and then ask who listed your information as an emergency contact. If it has nothing to do with the borrower, it can truthfully inform the payee. If the borrower is related to you, you can take the initiative to contact the borrower and ask the borrower why it is overdue.
Second, you need to learn to protect yourself.
Many collections in the market are irregular, and some even force borrowers by coercion and inducement, while harassing emergency contacts of borrowers. If you encounter such a situation, remember to learn to keep the original evidence and safeguard your legitimate rights and interests through legal means. It must be remembered that the collection personnel must not harass the emergency contact when they can contact the borrower.
Third, if you can protect your personal information.
If the borrower has nothing to do with you, but others list you as an emergency contact, it means that your personal information has been leaked and there are certain financial risks. You can recall whether you have done sensitive operations in the past, and at the same time change your credit verification method in time. Generally speaking, it will affect your life if others write you as an emergency contact, but there is an essential difference between an emergency contact and a guarantor, so you don't have to worry too much.