first of all, I tell you that there are no such lawyers, but they are all engaged by employees in the collection industry before. There are a lot of fish and dragons in it, but generally they need to charge.

Secondly, it's fine if the other party helps you negotiate seriously, and it's dangerous if you use crooked ways to help you negotiate, because the other party does not rule out threatening to negotiate by digging a hole for the bank or its entrusted personnel and then collecting evidence to complain to the regulatory authorities.

if the bank knows that the circumstances are bad, it may directly sue you, and these people will also be alerted by financial institutions for instigating or instigating others to disrupt the financial order through improper means.

Finally, personally, I suggest that you can negotiate with the bank to stop paying the credit card if it is overdue. As long as you have not lost contact before, refused to repay the loan, and are not a demon to the bank, and you are currently in financial difficulties, the bank will generally agree to stop paying the credit card and then pay it in installments, because their purpose is also to hope that you can repay the money, even if it is a little bit.