Is it reliable to quickly solve debt overdue advertising?

　　"The arrears are not on, your good news is coming, the × you owe, the bank card is not on, I want to congratulate you, as long as you have all kinds of overdue problems, now click on the avatar or swipe left video, you can receive your repayment plan, listen to me, don't pay attention to it anymore, don't borrow and borrow again, we provide professional legal one-on-one guidance, customized repayment plan, no consulting fees, no entrustment and no fees. ”

　　"In 2024, the new policy of online loans, these 20 are overdue, don't worry about repaying. If you are not able to repay your × or online business loan for the time being, and you are about to face overdue or overdue, take 3 seconds to try, click the link below, the gold medal legal team is online 24 hours a day, with high efficiency and timely reply, and we can quickly give solutions to all kinds of overdue situations, protect your rights and interests, and strictly keep your identity information confidential. ”

　　The reporter's investigation found that in recent times, advertisements for overdue repayment of various credit cards and online loans have flooded social platforms, telling various harms of overdue in advertisements, and promising to provide solutions for free to help users solve their repayment worries, and many institutions have put out endorsements from film and television and sports stars to prove their credibility.

　　Is it reliable to find a debt consulting agency for overdue online loans and credit cards, and what are the risks? In this regard, this reporter conducted an in-depth interview.

　　Online peddling of negotiation tactics and loopholes in repayment plans

　　How do debt advisory agencies make debt deferrals or even repay only the principal, or are they making false claims?

　　In order to find out, the reporter contacted a teacher Zhang from an institution who claimed to help more than 30,000 debtors "go ashore", and said: "I borrowed 30,000 yuan for an online loan, and now it is 4 months overdue.

　　Mr. Zhang replied: If you are overdue for so long, you may face the risk of being sued at any time, and your online loan is suitable for deferment, which can be extended for up to one to two years, and there is no need to repay during the postponement period, which can relieve your pressure, stop violent collection, and avoid being sued.

　　"There are internal practical skills and one-on-one coaching to guide you to solve the debt problem, the cost is not high, 498 yuan, if you think clearly, you can sign up. Teacher Zhang said that there is no secondary charge, and only 498 yuan can completely solve these problems.

　　After paying the fee, Mr. Zhang pushed the reporter to another assistant, Mr. Wang. Subsequently, Mr. Wang sent internal materials, which were actually various courses recorded by Mr. Zhang, most of which taught people how to extend and past successful cases, and also "motivated" debtors: overdue is not terrible, and going through a complete process of collecting and suing is a wealth of life. Although the above courses are divided into many sections, most of them are repetitive content.

　　Teacher Wang said, "After you learn the most important 16-character principle, you can come to me again if you don't understand anything." The reporter noticed that the so-called 16-character policy is the online loan and credit card overdue negotiation techniques that can be searched casually on the Internet: objective factors, expanding the impact, magnifying the pain, and I will repay the money.

　　"3 phone calls a day in the early stage, spend 20 minutes each time talking about your difficulties, talk about the impact of debt on you during this time, such as worrying about your hair gray, worrying about not being able to eat, etc., how miserable how to say, only if you are in difficulty, others will give you policies, remember not to expose your demands, only in this way can you give you good policies. Teacher Wang said.

　　498 yuan, in exchange for only the so-called encouragement and blunt negotiation skills to the debtor. In addition, the reporter also noticed that in the link sent by the assistant, he could also be upgraded to a partner of the agency for free, and he could enjoy a share of 180 yuan for pushing the course, and the other party also encouraged the reporter to push the course to more debtors in need.

　　"What is the price of overdue inquiries from other companies now?"

　　"There are five or six hundred, and one or two thousand. ”

　　"The quotation is so messy and so expensive, so that the overdue friend should choose? ”

　　Under the advertising link, after the reporter filled in the relevant information, soon a self-proclaimed "×× legal company" Ms. Zhou called, after learning about the relevant details, the other party quickly gave a personal debt planning plan: postpone for one to three years, no need to repay during the extension period, avoid being prosecuted and included in the list of dishonest persons, reduce or reduce the interest, penalty interest, and liquidated damages arising from the overdue, and the legal commissioner will negotiate and meet when due. One-time settlement, and get the settlement certificate issued by the platform, solve the problem of collection harassment of the person and the contact, exposure of the address book, etc.

　　Ms. Zhou said that although there is no fee for consultation, the service fee needs to be charged, and the standard is 8% of the total amount owed, for example, if you owe 50,000 yuan, you will give them 4,000 yuan.

　　The reporter found that this so-called plan is full of loopholes, not only the loan interest rate is exaggerated and inconsistent with the facts, but even the name of the lending institution is wrong. The other party said that if they agreed to entrust, they needed to pay 500 yuan first, and then they would send a contract, and if they were satisfied with the content of the contract, they would make up the remaining money, and they could operate. It is worth mentioning that after the reporter's inquiry, it was found that if the contract was not satisfied, the other party would not refund the 500 yuan.

　　Claiming that you can stop the interest on the account is not necessarily possible

　　In the course of investigation, this reporter found that some debtors have no news of the convenience after paying the money, or they simply fail to achieve the promised effect, but this kind of contract is often not protected by law, has no way to complain, and has spent a lot of money, which makes the debtor's situation worse.

　　Zhang Shan, a lawyer at Beijing Yinghe Law Firm, who has been engaged in financial business for a long time, told reporters that their team also noticed that there are now some anti-collection black and gray industries on the Internet packaged as so-called "legal companies" and "legal consulting companies", etc., claiming that they can stop interest on the account, temporarily stop charging interest on the unpaid principal and extend the repayment period, and provide services such as "debt negotiation" and debt optimization, which has attracted many overdue debtors of financial loans.

　　"Some so-called legal firms promise to suspend interest and postpone repayment to three years, and only repay the principal without interest, but in fact it is not necessarily possible. Zhang Shan said that the so-called suspension of interest is not a legal concept, professionally it should be called "personalized installment repayment", and the legal basis is the provisions of Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks.

　　Zhang Shan said that three conditions need to be met: there are special circumstances that cause the amount owed to exceed the cardholder's ability to repay; the cardholder has a strong willingness to repay and can actively negotiate with the bank after the deadline; and the bank and the cardholder can reach a feasible repayment plan. On the premise that these three conditions are met, the bank can enter into an installment repayment agreement with the cardholder.

　　Mr. Yi, who has been engaged in financial credit business in Shenzhen all the year round, told reporters that the so-called legal personnel of this kind of debt consulting agency were actually engaged in collection, and these people spent a few hundred yuan on the Internet to register a consulting company after leaving the company, known as a team of professional lawyers, who can solve all debt problems, and some also asked them not to talk to them about the arrears of 30,000 yuan or less than 50,000 yuan (because they can't make any money).

　　"Most of the so-called legal counsel conduct debt negotiations, which is to pretend to be you personally to negotiate with banks and online loan platforms. Mr. Yi said that the practice of these debt consulting institutions is nothing more than to let you send them the mobile phone card reserved in the bank, as well as personal information, and then pretend to be yourself to negotiate with the bank and lending institution, and if necessary, they will also provide false certificates in your personal name, such as illness certificates, unemployment certificates, etc., to prove that you are really unable to repay, not deliberately not to repay, the risk of personal information leakage needless to say, and in serious cases, it may also be suspected of fraud.

　　"The extension method of many debt advisory institutions is to keep making malicious complaints in order to achieve personalized installments, which can easily lead to the credibility of some parties being damaged without knowing it, and thus being blacklisted by banks. Mr. Yi said.

　　Zhang Shan said that the private information provided by individuals to these institutions is likely to be resold by these institutions for a profit. After the information is resold, the risk to the debtor will be even more severe. After the personal privacy is leaked, you will face endless high-frequency marketing text message harassment. If the information is obtained by criminals, it may become the target of criminals' "hunting", waiting for the opportunity to defraud or steal funds, and the debtor will most likely be dragged into a deeper quagmire.

　　Anti-collection has become an industrial chain, and supervision and precise punishment have been strengthened

　　Some bank customer service and loan platform staff revealed that they have never entrusted any company to negotiate debts, and if overdue debtors want to negotiate, they will directly connect with the debtor, and there is no third-party agent negotiation.

　　In the investigation, the reporter also found that some people fraudulently used the identity of lawyers to carry out publicity, and some people disappeared after collecting consulting fees, and some negotiations were obviously free of charge but spent consulting fees to find so-called commissioners to handle, and there were all kinds of chaos in the debt overdue negotiation market.

　　Zhang Shan said that in fact, according to their team's understanding, "anti-collection" has developed into a complete black and gray industry chain. Under the guise of legal affairs, these consulting companies induce clients to pay for their services by publishing false advertisements, and instigate clients to use illegal tricks such as forging false materials and malicious complaints to achieve the purpose of debt evasion.

　　"What's more, without the support of facts, they make unwarranted attacks on financial institutions and lending platforms, deliberately provoke customer service and collection personnel, try to fabricate the fait accompli of violent collection, and then complain and blackmail financial institutions and lending platforms; Fraudulent extortion such as loss of reputation has been suspected as a crime. Zhang Shan said.

　　In January this year, the Public Security Bureau of Yunmeng County, Hubei Province, launched a simultaneous crackdown on the anti-collection black ash industry in Wuhan and Yunmeng. At the same time, more and more financial companies are also using online data monitoring to identify anti-collection advertisements, and promptly report and remove relevant advertising links to relevant platforms.

　　In this regard, Zhang Shan suggested that the system should further revise and improve the relevant laws and regulations, issue targeted judicial interpretations, and clarify the legal responsibility and punishment standards for malicious debt evasion such as "agency complaints" and "anti-collection," so as to raise the cost of violating the law; the financial regulatory departments should improve the accuracy and effectiveness of their work, carefully screen unreasonable complaints, and not give any opportunity to "agency complaints," "anti-collection," "credit repair," and other institutions and behaviors.

　　Zhang Shan reminded that financial institutions and lending platforms should strengthen their awareness of compliance operations, improve the protection mechanism for consumer rights and interests, and further unblock channels for consumer complaints and credit reporting objections.

　　"The most important thing is that consumers should establish a rational concept of consumption, develop the habit of living within their means and avoid excessive consumption. At the same time, it should also take the initiative to identify and reject illegal organizations and behaviors such as anti-collection and agency complaints, properly protect personal information and privacy, and avoid being illegally used, leaked, or bought and sold by black and gray industry organizations, and suffer greater economic losses. Zhang Shan said.

　　If a personal debt is overdue or about to be overdue, what is the correct way to deal with it?

　　Zhang Shan believes that once personal loans and credit cards are overdue, it is recommended to get in touch with financial institutions directly, express their demands through formal channels in accordance with the law, rationally protect their rights, and communicate with creditors by themselves, which is always more direct and effective than a third party.

　　"Debt overdue consultation is to call and negotiate with the other party, and the consulting agency can hit you and you can also call, there is no need to risk the risk of personal information leakage to spend money to find unreliable services. Mr. Yi said.

Source: Legal Daily K25