According to the online inquiry of Zhongguancun, there are indeed some qualified professionals who will release videos or live broadcasts, provide overdue debt consulting services and share experiences and suggestions. And some unreliable service providers may use consumers' urgent psychology and predicament to cheat, such as letting consumers buy fake debt solutions, which is fake.

Overdue debt refers to the borrower's failure to repay the loan principal and interest according to the repayment date agreed in the loan contract.