Yes, but there are more routine types or people who take advantage of others!

For example: Debt crowdfunding says that as long as you pay 200 yuan, it can help you repay debts of 300,000 or 500,000 yuan. In fact, it is to use your needs to let you keep pulling people in to pay 200 yuan, so as to achieve the purpose of making profits for the capital pool itself. As for your debt repayment, don’t even think about it!

For example: the most popular credit card and consumer loan debt restructuring. It is said that it can help you negotiate with the bank and repay your debt in 36 installments or up to 60 installments to solve your debt collection problem. But the fee is 8%-10%. It won't matter if you exceed the due date later.

This situation does not help you solve your debt problem, they are just taking advantage of your fear to make a fortune. The prerequisite for repaying in installments is that you must have a stable source of income, and you must ensure that you do not overdue the loan after reaching an agreement. This is the most critical.

But usually, when a person's debt has collapsed, most of the overdue debt is not a credit card or a single debt. But there are many debts, many overdue. When a ship has many leaking holes, putting all your energy into repairing the holes will not prevent the ship from sinking.

In addition, after the debtor worked hard to pay off these debts, has his financial situation improved? No, he is still in trouble. Even if you pay off your debt with the People's Bank of China, it will be automatically eliminated after 5 years. During this period, he still cannot apply for credit cards, loans, etc.

As a company that specializes in handling personal and family debts, I think it should sort out all the customers’ debts and formulate a solution that is reasonable, safe, and can help customers truly solve their debt problems and achieve their financial goals. .

So, when faced with a customer’s debt, we first assess what is his current worst-case scenario? Is it deteriorating, has it begun to collapse, or has it weathered the storm and begun to rebuild?

Second, the financial foundation must be arranged to ensure his source of income and basic living conditions.

Third, formulate a financial plan to achieve various goals.

Fourth, repayment arrangements, negotiations, and debt restructuring.

To be honest, the debt solution market is facing the poorest customers in the world, and it is a one-time fee. How can a company make money from this? Have you seen poor people going up to rob?

However, there is still a huge rigid demand in the personal and household debt market. There is no shortage of so-called debt-handling companies in the market. What is lacking are ethical companies that are truly dedicated to helping debtors solve their problems.