Legal Literacy - In 2026, economic pressures often force us to deal with loans, be it online loans orLeasing. Unfortunately, the good intention to pay often clashes with inhumane collection methods by unscrupulous Debt Collector (DC).

We often see viral news: DCs yelling at customers, or "Eagle Eyes" confiscating motorbikes in the middle of the road. The question is, are their actions legal? And are we allowed to record and viralize their actions to seek justice?

Here is a complete guide based on the Latest OJK Circular and 2024 ITE Law so you understand your legal rights.

New Collection Rules 2026: DCs are Prohibited from Being Abusive!

The government, through the Financial Services Authority (OJK), has tightened the rules of the game for the financial industry. Based on OJK Circular Letter No. 19/SEOJK.06/2023, debt collection may no longer be carried out in the style of thuggery.

Operating Hours & Collection Ethics

You must know that DCs are strictly prohibited from collecting outside the hours of 08.00 to 20.00 local time. So, if someone is banging on your house gate at 9 pm, that is a violation of the rules. In addition, they are prohibited from using physical or verbal violence, or embarrassing you in front of neighbors/office.

Mandatory Requirements for Collectors: No SPPI, Gently Expel!

Not just anyone can collect debts. When a DC comes, don't be afraid. Ask…