远离“职业背债”陷阱

Core Viewpoint - The emergence of "professional debt" scams poses significant risks to consumers, leading to potential legal issues and financial losses [1][2]. Group 1: Legal Risks - Criminals often forge various application materials, such as fake employment and income proofs, to help individuals who do not meet loan requirements appear as qualified borrowers [1]. - Participants in these scams may inadvertently become involved in criminal activities such as fraud, illegal fundraising, and money laundering, facing severe legal consequences [1]. Group 2: Debt Transfer Tactics - The individual whose name is on the loan contract is legally recognized as the debtor and is responsible for repaying the principal and interest [1]. - Once the loan is disbursed, criminals typically take a large cut and leave the borrower with all the debt and associated risks, which may include damage to personal credit and potential legal actions for non-repayment [1]. Group 3: Consumer Precautions - Consumers are advised to be cautious of any loan offers that claim "no repayment required," as these are likely scams [2]. - It is recommended to report suspicious activities to financial regulatory authorities or law enforcement to combat financial crimes effectively [2].