Not credible. Third-party negotiations are basically money fraud.

If you are overdue, as long as you have a job, you can negotiate with the debt collector yourself. Sold badly, and then asked to negotiate the repayment of the principal in installments.

If you let a third party negotiate, you still have to pay interest. You have to give them some money. This is because you are not cheated enough by online loans.

So what is legal affairs? Legal affairs refers to the staff who are responsible for handling legal affairs within legal and unincorporated organizations such as enterprises, institutions, and government departments.

The difference between legal affairs and lawyers is: 1. Legal affairs are the legal advisors of the unit and serve the company full-time. Lawyers are legal staff who are independent from the unit; 2. With the development of society, more large enterprises require that legal personnel must pass the National Legal Professional Qualification Examination and obtain lawyer qualifications. Different from lawyers, lawyers are more engaged in litigation business, while legal affairs are more concerned with non-litigation business. Legal affairs are the comprehensive managers of corporate risks. Job Responsibilities

Formulate and modify contract texts, draft, modify and review contracts with customers, employees and suppliers; process and collect and organize information to cooperate with lawyers in handling company-related legal affairs; collect and analyze information related to the company Provide business-related legal information and provide professional opinions based on the company's situation, and promptly propose preventive measures for problems discovered during work; provide consultation and legal opinions to the company, provide consultation on legal issues for customers and employees, and be responsible for formulating various legal documents for the company .

Work flow

1. Contract business: drafting/submitting for review/modification notice → communication between parties (contract purpose, contract background and requirements) → contract drafting/review/modification (purpose , completeness, clarity, legality, risk level, etc.)→Submit results----feedback (template/related problem handling).

2. Consulting business: consultation request → search for information (consulting object, event background, party requirements) → prepare reply (method selection, content arrangement) → reply ---- feedback (form suggestions/opinions) )

3. Suggestion and opinion business: independent observation/information collection/feedback → thinking (classification of nature, how to respond) → making suggestions/putting forward opinions (from a legal/management perspective)----Feedback ( institutionalized/transferred to other departments).

4. Dispute handling/litigation auxiliary business: department feedback/company instructions→collect and organize materials according to legal requirements/lawyer work instructions→provide evidence and material support/legal support→participate in specific processes→close the case/dispute progress Dynamic report----Feedback (standardization measures suggestions/preventive opinions).