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起底网贷黑产(上)|直击现场!揭秘律所的“债务托管”生意
Bei Jing Shang Bao· 2025-08-14 07:59
Core Viewpoint - The article highlights the risks associated with debt management services marketed by certain law firms and debt optimization companies, which often mislead consumers into believing they can avoid repayment or mitigate their debts without consequences [1][6][14]. Group 1: Debt Management Services - Many consumers encounter advertisements for "debt optimization" and "overdue negotiation" services, often presented by individuals claiming to be legal assistants or financial advisors [1][3]. - These services promise to help individuals manage their debts by offering solutions such as "1 to 3 years without repayment" and "only repaying the principal" [5][8]. - The operations of these companies often involve high-pressure sales tactics and misleading claims, leading consumers to believe they can avoid the repercussions of their debts [14][15]. Group 2: Consumer Experiences - Consumers report being drawn in by local law firms that claim to have extensive experience in handling debt issues, with some advertising that they have assisted over 10,000 individuals [3][12]. - Many consumers have shared negative experiences, including being charged service fees without receiving any effective assistance in resolving their debts [8][14]. - Complaints on platforms like "Black Cat Complaints" reveal a pattern of consumers feeling deceived by these services, which often fail to deliver on their promises [8][14]. Group 3: Legal and Regulatory Concerns - Legal experts have raised concerns about the legitimacy of the claims made by these debt management services, particularly regarding their ability to prevent negative impacts on credit reports [7][8]. - The methods employed by these companies, such as intercepting collection calls, are viewed as potentially illegal and could exacerbate the consumer's financial situation [7][8]. - The article emphasizes the need for consumers to be cautious and to seek services from legitimate financial institutions rather than these dubious debt management firms [14][15].