Is illegal collection punishment possible?

The circumstances you described are a typical case subject to illegal collection punishment.

The "Fair Debt Collection Practices Act" clearly prohibits acts in which creditors pressure debtors through threats, verbal abuse, repeated contact, persistent calls during nighttime/early morning hours, threats to inform the workplace/family, visits/tracking, etc., even if there is a debt.

Therefore, all the acts you mentioned may constitute illegal debt collection subject to criminal punishment.

To request illegal collection punishment, you can report to the police (112) or the Financial Supervisory Service Illegal Finance Reporting Center (1332).

At this time, securing objective materials to support the report, such as call recordings, text/messenger content, call records, photos/videos of visit circumstances, contracts, and financial transaction records, will allow the investigation procedure to proceed much more smoothly.

In addition, as you described, if you feel personal threats, it is good to consider personal protection measures along with simple reporting.

However, when the perpetrator of illegal collection is actually approaching or following/monitoring is suspected, institutional measures alone may not sufficiently relieve anxiety.

In such cases, it is safer to also consider strengthening physical protection focused on major living areas by utilizing professional security personnel.

In conclusion, your current situation can clearly be subject to illegal collection punishment, and personal protection measures also appear necessary, so combining police reporting with the protection support of specialized institutions and security centers is the safest response.