For the bad debts that have passed the repayment period, the bank has not returned them after collection, and the accounts are basically determined to be bad debts. If banks want to turn bad debts into living accounts, they need someone to take back the debts and transfer them to these people. In fact, these people are not needed to repay, but they will give certain benefits. This business is called debt repayment business.

If we can't repay the loan for one reason or another, we may freeze our personal property, or we may face the risk of being sued.