#9代凯美瑞, 200,000-level family sedan is preferred#
In the past year, when I browsed major websites, I found that among the huge number of advertisements on major platforms, the advertisements of debt planning accounted for at least 70% of the screen dominance.
The basic content is "don't worry if you encounter problems such as overdue credit cards, consult a professional legal team, negotiate repayment 1-to-1", "don't worry about credit card repayment, agent complaints about ex-interest fees", "stop interest", "credit card debt restructuring", "overdue negotiation" and other information, claiming to provide "debt resolution" services for personal credit debts such as credit cards and online loans.
What is debt planning, it is a gimmick to sell pork on the head of a sheep, and in the final analysis, it is just overdue consultation. It can be seen from this that the industry that is relatively profitable on the cusp of the storm recently is debt consulting. Don't look at these contents are only a few words, but they are full of temptation for debtors who are in debt, as if they have grasped a life-saving straw.
As long as you can't pay off a bunch of online loans, they can follow your mental activities to meet your requirements. What is all deferred for 1-3 years due principal, or all deferred free repayment, a month repayment of 50-hundred; or, credit card online loans, unable to repay or low repayment ability, to meet your credit card extension for 1-3 years, call forwarding does not need to answer a phone call, or send a phone card, a special service group teacher to pick you up; or, credit card arrears, whether 5000 or 60,000, all meet your 36-60 installments, the principal installment has no handling fee, no down payment, card card fragrance. A bunch of credit card installments are only 3000-4000 a month.
Hahahaha, it's wonderful! It's all the repayment model that the debt wants!
According to online public information, by the end of 2023, there are 830 million people in debt across the country, 500 million people are facing repayment, credit card overdue alone is as high as more than 350 billion, the national debt is as high as more than 300 trillion, the per capita debt has exceeded 200,000, and 5-600 million people do not have any savings now. More than 70 million people have overdue online loans. Judgment defaulters, commonly known as lai, are more than 8 million people. It is estimated that the non-performing loans of commercial banks will increase sharply to 9 trillion yuan in 2025.
The trillion-dollar non-performing asset market is surging, and the back-end collection industry is hot. As a result, the major collection companies are actively exploring the Internet finance business on the basis of the original bank collection. With the advantages of younger customers, high availability rate, and generous commissions, new forces such as Ant Financial, Meituan, and Douyin Pay have become the sweethearts of the collection industry.
Platforms similar to this are nothing more than taking advantage of information gaps to require debtors to provide personal information such as identity documents, bank card numbers, and contact information, and pay high service fees, consulting fees, security deposits, etc. After that, they used the trick of "malicious rights protection", that is, instigating consumers to ignore the contract and fabricate facts, complain to the financial regulators, letters and visits and other departments on behalf of consumers, prevent consumers from effectively communicating with regulatory authorities and financial institutions, and exert pressure by means of pestering and visiting to achieve unreasonable demands such as evading personal debts, reducing interest and fees, and long-term installments.
Moreover, its so-called lawyer legal affairs are also packaged as gimmicks for the debtor's debt entrustment, 300 yuan to register a business license, and then find a law firm to be affiliated with, 1 person can package a team of thousands of troops. The cheapest 60 yuan for a business license can be attached to a law firm, some go to the law firm when paying, and some just take two lawyer certificates to pretend to make a deal when selling.
This kind of so-called "debt service", under the guise of helping customers protect their rights, induces consumers to tear down the east wall and make up for the west wall of illegal fundraising, or engage in vexatious litigation or even malicious debt evasion, and make huge profits from it. In essence, it is a typical "Ponzi scheme".
When they induce consumers to entrust them to "defend their rights", they often require consumers to provide sensitive information involving personal privacy, such as ID cards, insurance policies, bank cards, and contact information, which is very likely to lead to the leakage of consumers' personal information, loss of funds, loss of insurance protection, and even the risk of fraud.
Even if you see through the scam of these institutions and feel deceived, most of them have no way to defend their rights, let alone complain. Because the so-called legal agency that deceives you is simply a person who "creates" a legal agency and team, and there are many low-cost and simple traffic advertisements, and no one can be found at all. What can you do if they delete you and block you? What can you do if they don't reply to you? Can you go to their local company? Can you report them?
Debt consulting and collection rivers and lakes are mixed. Such black and gray industry intermediaries often "fish" through social networking sites, short video apps, etc., impersonating lawyers and other professionals, inducing consumers to entrust them to "defend their rights on their behalf", and the resulting problem of "illegal agency rights protection" has become a stubborn disease that endangers the financial health order.
It can be said that the days of ordinary people today are already snails carrying heavy houses and climbing forward with difficulty. In the long run, it will inevitably affect the national economy and people's livelihood and cause the collapse of the national economic foundation.
(The picture comes from the Internet, apologize for the invasion and deletion!)