Companies that help deal with debts online are real, but they charge a certain fee. This is called cutting leeks. But in real life, too many people don't deal with the debt problem, which leads to the existence of such institutions. I have done this for others before, and charged a certain fee. This is also reasonable, because if you don't do it, you still let others do it for you. In contrast, I will never do all kinds of business, just because the debtor doesn't understand or even want to do it, then there will be such institutions, such as credit card overdue installment, installment negotiation of various loans, and some cases of surrender and interest refund. Because the debtor is lazy, ideologically speaking, he is lazy, does not think positively and does not use his brain, which eventually leads to double the loan. Because there is a certain saying about the loan, for example, if the debtor is overdue, there will be certain interest and penalty interest, so if the debtor fails to pay back for a long time, it will face more interest and more fines. The longer you owe, the more you owe. Therefore, it is possible to negotiate through institutions or individuals themselves, but we must operate in advance to avoid more benefits.

The existence of debt collection companies is illegal, and it is impossible to engage in debt collection business through legal channels. First of all, there are no debt collection projects in industrial and commercial registration, and it is strictly forbidden to register debt collection companies. At present, the provisions of Chinese laws and regulations on debt collection companies are first found in the Notice on Stopping the Registration of Debt Collection Companies Submitted by Public Security Organs 1993 of the State Administration for Industry and Commerce, which explicitly requires industrial and commercial administrations at all levels to immediately stop registering debt collection companies and similar enterprises submitted by public security organs. For those who have registered, the administrative authorities for industry and commerce at all levels shall notify them to immediately stop the "debt collection" business. 1995 The Ministry of Public Security, the State Administration for Industry and Commerce and the then State Economic and Trade Commission jointly issued a document prohibiting all kinds of enterprises from registering for industry and commerce in the name of debt collection.