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Core Viewpoint - The rise of "mortgage default protection" services is becoming a lifeline for homeowners facing debt crises amid a deep adjustment in the real estate market and changing economic conditions. Various legal teams are targeting this group, offering services that claim to help homeowners retain their properties, but these operations carry significant risks and may lead to further financial loss for the homeowners [1][3][10]. Group 1: Market Context - The real estate market is undergoing a significant adjustment, leading to a surge in demand for "mortgage default protection" services among homeowners who purchased properties at high prices and are now unable to continue mortgage payments [1][3]. - Many homeowners are facing situations where their property value has dropped significantly, leading to scenarios where selling the property does not cover the outstanding mortgage, a situation referred to as "negative equity" [3][4]. Group 2: Service Offerings - Legal teams are offering various service packages for homeowners, charging fees based on the amount owed, typically ranging from 1% to 5% of the outstanding mortgage [3][5]. - Different institutions have varying service models, with some offering a more systematic approach that includes an initial fee for assessment and ongoing monthly fees for legal support [5][6]. Group 3: Risks and Concerns - The "mortgage default protection" services may lead to significant risks for homeowners, including damage to credit scores, potential loss of property, and legal complications arising from ineffective agreements with service providers [10][11]. - The operations involved in these services, such as "capital recovery" and delaying judicial processes, can increase the risk for banks and may lead to higher costs associated with non-performing loans [6][7]. Group 4: Recommendations - Experts recommend that homeowners facing repayment difficulties should proactively negotiate with banks for adjusted repayment plans rather than resorting to unregulated services [12]. - It is advised that homeowners should consider legitimate channels for asset disposal to avoid the risks associated with gray market operations [12].