Core Viewpoint - The article highlights the emergence of a predatory debt planning industry that exploits individuals in financial distress, despite regulatory crackdowns and previous rejections by loan platforms [1][4][8] Group 1: Industry Practices - Numerous companies are aggressively recruiting debt planners and credit management specialists, offering hourly wages as high as 500 yuan, to target a large pool of indebted individuals [3][4] - The recruitment process emphasizes minimal experience requirements, with training provided to new hires on negotiation tactics and debt optimization strategies [3][4] - The operational model of these companies is highly structured, involving multiple stages from client consultation to contract signing, utilizing social media and online platforms for customer acquisition [3][4] Group 2: Exploitation Tactics - The debt planning black market has developed a systematic approach, utilizing illegal data acquisition and deceptive advertising to lure clients [4][5] - Fraudulent entities often promise unrealistic debt solutions, such as complete debt forgiveness or extended repayment terms, while charging high service fees of 5% to 10% of the debt amount [5][6] - There are reports of these organizations disappearing after collecting fees, leaving clients with unresolved debts and potential identity theft risks due to the sensitive information shared [6][8] Group 3: Regulatory Response - Regulatory bodies and platforms are intensifying efforts to combat the rise of fraudulent debt optimization schemes, emphasizing the need for collaboration among financial institutions, platforms, and regulators [8][9] - Recent actions include stricter advertising regulations on social media and short video platforms, limiting promotions to licensed legal entities and banning misleading content [9][10] - Experts suggest that clearer regulations and enhanced consumer education are essential to mitigate the risks associated with these predatory practices [10]