Some customers of OKPeso report that they are harassed for not paying their debts on time. This is true, but we should look at the problem from both sides. If the borrower pays late, the company is forced to use the necessary measures to recover the debt. These measures can affect customers' privacy, disrupting their lives. However, if the customer reads the contract carefully, it can be seen that the implementation of these debt collection measures is clearly stated in the contract, so OKPeso has a basis to carry out its actions. On the contrary, if the customer pays in full and on time, harassment cannot occur.