When someone tells you that it's a deal, it's settled for you, that is, pay a bad debt to the bank, 30 million to 4 million, and sign an exemption agreement.

The following are bad debts:

1. Creditor's rights that cannot be recovered after the borrower and guarantor are declared bankrupt, closed, dissolved, revoked or terminated as legal persons according to law.

Second, the borrower dies, or is declared missing or dead in accordance with the General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC), and the financial enterprise has paid off its property or inheritance according to law, and has recovered the creditor's rights that the guarantor failed to recover.

Three. Creditor's rights that cannot be recovered after the borrower suffers from major natural disasters or accidents, resulting in huge losses, unable to obtain insurance compensation, or unable to repay part or all of the debts after insurance compensation, and after the financial enterprise has paid off its property and recovered from the guarantor.

The main business of banks is deposits and loans, and bank deposits and loans are their main functions. People like to deposit money in the bank, which not only has certain interest, but also has high security. Bank loans are also one of their main sources of income. Through bank loans, they can solve their urgent needs and enjoy lower loan interest rates.

However, this thing of black households is not guaranteed. If there is a problem, it can only be your own loss, and you can't profit from it.