公司化运作扩张，招人时薪竟高达500元 "万亿级蓝海赛道""实实在在搞钱""欢迎负债者、宝妈、中介"……你以为遇到了帮你爬出债务深渊 的"救命稻草"，但却不知是走进了一群用"停息挂账""债务重组"当诱饵的猎捕场。 近日，北京商报记者发现，此类网贷债务规划业务，尽管早已被多家贷款平台推翻，也被监管划上红 线，但近期仍在高压之下，通过公司化运作高薪扩张。 在某招聘网站上，许多号称为某某债务优化、某某信用管理、某某法律咨询的公司，在大量招聘，甚至 开出高达500元的时薪，招聘债务规划师、债务重组销售专员。 那些声称"帮你谈判"的"规划师"，正在把负债人推进更深的债务黑洞，而这背后，是一场从信息、引 流、物料、资金和法务等多个环节模板化的精心设计…… 近日，在某招聘网站上，许多名称为某债务优化、某信用管理、某法律咨询的公司，正在大量招聘。 根据债务规划相关公司的招聘信息，大多不限经验与年龄，工作内容主要是"寻找庞大的负债人群，提 供个人和企业的债务优化、债务减免、债务延期、停息挂账等"，并称前期有人手把手教，由规划师和 法务配合处理等。 北京商报记者注意到，在招聘列表中，大多公司债务规划相关岗位月薪在5000元至3万 ...

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 with false promises and may engage in fraudulent practices [1][12][13]. 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 alleviate debt burdens by offering solutions such as "no payments for 1 to 3 years" and "only repaying the principal," which are often unrealistic and misleading [3][5][11]. - The operations of these companies typically involve high-pressure sales tactics and vague contractual agreements that can lead to consumer exploitation [12][13]. Group 2: Consumer Experiences - Consumers report being drawn to local law firms that claim to have extensive experience in handling debt issues, often leading to significant service fees without any real solutions [11][12]. - Complaints on platforms like Black Cat Complaints reveal numerous instances of consumers feeling deceived, with reports of service fees collected without any effective resolution of their debt issues [12][13]. - The article notes that many of these firms have expanded their reach to local markets, using targeted advertising to attract consumers in distress [9][11]. Group 3: Legal and Regulatory Concerns - Legal experts express skepticism about the legitimacy of the services offered, particularly the claims that debt management can be conducted without impacting credit scores [7][8]. - The practices of these debt management companies may violate regulations regarding consumer protection and financial practices, leading to potential legal repercussions for both the companies and the consumers involved [12][13]. - The article emphasizes the need for consumers to be cautious and to seek services from licensed financial institutions rather than unregulated debt management firms [12][13].

近日，深圳近20家银行密集发布声明撇清与某贷款中介关系一事，在业内引发广泛关注和热议。国有六 大行的深圳分行以及招商银行、中信银行、平安银行等多家银行的深圳分行均表示，与鑫心惠邻（深 圳）咨询服务有限公司（以下简称"鑫心惠邻"）不存在任何形式的合作关系，并提醒消费者警惕虚假宣 传套路。 目前，鑫心惠邻已通过官方微信公众号致歉，并表示公司未与任何金融机构合作。实体店面贴有的24家 主流银行标识也已撤下，完成了全面整改。 实际上，自2022年以来，贷款中介假冒银行名义，以"无抵押""无担保""低息免费"等名义，宣传所 谓"征信修复""债务优化"等业务，诱导消费者办理相关业务并收取高额费用，引起广泛关注。 2023年3月，原银保监会发布《关于开展不法贷款中介专项治理行动的通知》，鼓励各银行业金融机构 建立贷款中介黑名单制度，将诱导、帮助借款人违规申请贷款的中介纳入合作黑名单。 近年来，非法贷款中介治理成效显著，非法中介机构数量明显下降。但是仍有一些正规贷款中介还在使 用"惯用展业伎俩"，并出现新的变化。 过去，贷款中介往往在高端写字楼、金融相关园区等地密集扎堆。而根据注册地址来看，不少贷款中介 以"为社区居民提供融 ...