I am being subjected to illegal debt collection.

The situation you described falls under illegal debt collection.

The "Fair Debt Collection Practices Act" prohibits all acts such as verbal abuse, threats, repeated contact, nighttime visits, disclosure to third parties, and physical threats by creditors in the process of collecting debts from debtors.

Therefore, even if there is a debt, pressuring the debtor in such ways is not legally permitted.

If loan sharks or others continue threatening debt collection, you must immediately report it to the Financial Supervisory Service (1332) or the police (112), and reports can also be filed through the Illegal Finance Reporting Center on the Financial Supervisory Service website.

At this time, it is important to secure materials that can prove the illegal debt collection, such as call recordings, text messages, contracts, and transaction records.

In addition, if your personal safety is threatened due to illegal debt collection, you can receive protection through the "Reporter Personal Safety Guarantee System."

Reporters can file reports anonymously or under a pseudonym, and during the investigation stage, separation of the reporter and the suspect during questioning, accompaniment when attending or returning home, and patrols of the residence are possible.

However, in addition to such institutional protections, when actual threats are made, it is also helpful to combine professional security services to ensure safety.

In particular, if you suspect being followed, monitored near your residence or workplace, or threatened against your family, you should immediately report it to the police, and at the same time, it is desirable to combine physical personal protection measures through a security center.