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Core Viewpoint - A disturbing phenomenon has emerged where individuals are willingly becoming "debtors," driven by a hidden industry that exploits them, leading to severe financial and legal consequences [1][3]. Group 1: Industry Overview - The industry of "professional debtors" is rapidly growing, having extracted over 100 million from banks through a complex scheme [3]. - In 2024, there were 4.14 million pieces of loan fraud intelligence captured, with a 51% increase in the number of perpetrators in the second half of the year [3]. Group 2: Mechanism of the Scheme - The scheme operates in three main steps, starting with recruiting individuals from rural areas who lack assets and stable jobs, promising them quick financial gains [5]. - The second step involves creating a false identity for the debtor, presenting them as affluent individuals to facilitate loan acquisition [6]. - Once the loans are secured, the intermediaries disappear, leaving the debtors responsible for the massive debts, which can exceed millions [8]. Group 3: Legal Implications - Individuals involved in this scheme may face serious legal consequences, including charges of fraud and illegal fundraising, with potential prison sentences ranging from a few years to over ten years [11][12]. - Recent cases have shown that intermediaries and debtors have received significant prison sentences for their roles in these fraudulent activities [12].