This may be true. Many people may not have heard of paying off debts, because this business is not a formal business, but actually an illegal business on the edge of the law. The so-called bad debts are an expedient measure for credit institutions to deal with non-performing loans. At present, some banks have a high bad debt rate, that is, the money they released cannot be recovered. However, the regulatory authorities are very strict in assessing the non-performing loan ratio of banks. If the NPL ratio is too high, it will not only be written off from profits, but also the promotion and bonus of branch presidents will be greatly affected. Therefore, sometimes when the bad debt rate of banks is too high, banks will try their best to solve the problem of non-performing loan rate through debt repayment.

If a bank needs someone to borrow money, it will not come forward in person, because it is illegal and shady, so the business of borrowing money from the bank is carried out quietly. First of all, banks will release the news of debt repayment through internal channels, so that some financial intermediaries know that intermediaries will find potential debtors through resources. The debtor has certain requirements, and not everyone can. Generally, men born between the ages of 30 and 45 have no criminal record and court prosecution, are not online fugitives, the bad debts of banks cannot exceed100000, and there is no business license under their names.

1. Secondly, the intermediary registers a shell company for the debtor (and then packages the shell company). Then the intermediary takes the debtor to the bank to apply for a loan. Banks lend money to debtors through internal operations. After the loan is successful, the bank will deduct some money to offset the bad debts of the bank, and the rest will be given to the debtor. The bank will pay the intermediary fee, and the intermediary will also charge the debtor the fee for eating at both ends. Finally, the intermediary will sign an exemption agreement with the debtor. Generally speaking, the longest period of this exemption agreement is about 30 years, which means that the debtor does not have to repay the principal and interest within this specified period, but this exemption agreement has no legal effect.

Second, debt is not a good thing, otherwise you will be cheated, or once you are in debt, the rest of your life will basically be ruined. Even if you are heavily in debt, you will face serious consequences when you get the money. This serious consequence is mainly reflected in two aspects. In fact, the 30-year exemption claimed by the intermediary is deceptive and has no legal effect at all. Debt doesn't mean that money really doesn't have to be paid back. This is a means for bank insiders to collude with intermediaries to defraud loans, which is an illegal act to go to jail. Bank debt is basically doomed to be bad. Bad debts will definitely have a negative impact on personal credit reporting, and they are basically black households. In addition, if you don't pay your debts for a long time, you may be sued by the bank and then listed as an executor of bad faith by the court. Once you are on the list of dishonesty, it will impose various restrictions on you.