The overdue consultation of online loans is not credible, and online loans can only be handled by themselves. The online lending platform prohibits third parties from intervening. The so-called lawyers or legal affairs do not meet the requirements of negotiating repayment instead of lenders, and the online lending platform does not recognize it. Lawyers or lawyers can only pretend to be customers and negotiate repayment with the lender's mobile phone number. This practice has fraud and security risks, which is obviously illegal. Because the agency consultation is not allowed, and there is no way to openly negotiate, regular lawyers will not accept such cases. After the online loan is overdue, just tell the lender that the lawyer who can negotiate on behalf of the lender, no matter whether his identity is true or not, don't believe it. There is no doubt that it is cheating lenders and using information asymmetry to earn service fees.

If you are really worried, I suggest you go to Yingxin to get a personal credit big data report and have a clear understanding of your credit status.

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Online loan negotiation scam

Legal consultation is definitely a fee-based service and will not give you free consultation. Don't even think about it I asked about the cost, which is six points of the debt. In other words, if I owe 70,000 yuan, they will charge me 4,200 yuan for the service.

If I want to negotiate repayment and spend so much money to let the legal affairs negotiate for me, is my behavior worthy of recognition? The answer is no, don't spend so much money on legal advice, it's useless. I believe that just being cheated and losing a sum of money for nothing will make your already poor life worse.

Interest can't come down, only the principal is paid, and interest has been rising. At least installment repayment is not negotiable. What's the use of such negotiations? It is not helpful for your online loan to land. This kind of online loan repayment agreement is a Ponzi scheme, which just hides the current risks and keeps going, and does not solve the problem at all. When the problem breaks out in the future, it will hurt and affect you even more. Such negotiation repayment can't be trusted, and it will hurt yourself.