Protecting borrowers against early debt reminders of financial companies about unsecured loan contracts

Some financial companies have taken advantage of loopholes in the law governing early debt reminders by repeatedly making phone calls and sending text messages that place psychological pressure on borrowers and force them to repay their debts before the agreed due date. This paper analyzes the current legal provisions, identifies the underlying causes and the existing practical issues, and proposes several solutions to improve the legal framework. These recommendations aim to better protect the legitimate rights and interests of borrowers while enhancing the trust, reputation, and brand image of financial companies in the future.