啄木鸟消费投诉｜“债务优化”风险重重 网贷逾期切莫病急乱投医

Core Viewpoint - The case highlights the risks associated with "debt optimization" services, which may involve fraudulent practices and lead to financial and legal repercussions for consumers [2][9]. Group 1: Consumer Experience - A consumer from Ji'an, Jiangxi Province, named Mr. Xiao, faced financial difficulties due to overdue online loans totaling over 40,000 yuan and sought help from a Shanghai legal consulting company for "debt optimization" [3][5]. - After paying a service fee of 3,600 yuan, Mr. Xiao did not achieve the promised debt relief and continued to receive collection notices [5][6]. - The consulting company refused to refund the service fee, claiming they had undertaken substantial work, without providing a clear explanation for the failure of the "debt optimization" [5][6]. Group 2: Legal Implications - The agreement signed by Mr. Xiao lacked specific operational details, raising concerns about the legitimacy of the services offered [6][7]. - There are allegations that the consulting company may have attempted to forge medical documents to apply for loan extensions, which could constitute a violation of Chinese law [8][11]. - Legal experts warn that such fraudulent practices could lead to severe consequences for consumers, including damage to credit ratings and potential legal action for involvement in forgery [11]. Group 3: Industry Response - Authorities are increasingly targeting illegal financial activities, including fraudulent "debt optimization" schemes, as part of a broader crackdown on financial crime [11]. - Consumers are advised to preserve evidence and report any fraudulent activities to local law enforcement to protect their rights [11].