海尔消费金融提示：防范金融代理投诉风险，维护个人信息安全

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Today, when searching terms like “debt optimization”, “interest suspension and debt hold”, “cease collection calls”, or “repayment extension” on platforms such as TikTok and Baidu, a plethora of marketing accounts under the guise of “legal consultation” emerge, offering to assist borrowers struggling with overdue payments or heavy financial burdens. These entities claim they can resolve issues related to debt collection and credit repair. However, Haier Consumer Finance warns consumers to proceed with caution, as these so-called “proxy complaint” schemes often lead to significant losses rather than protection.

Data reveals that there are over 100,000 marketing groups promoting services such as “repayment extensions”, “second-chance installments”, “debt restructuring”, and “interest suspension and debt hold” alongside “credit card extension”. Falling for these promises can result in not only the exposure of personal information but also substantial financial losses. Since 2022, anti-collection practices have escalated, causing harm not only to banks and financial institutions but also to consumer rights.

The deceptive tactics used by anti-collection groups involve step-by-step persuasion and fabricated success stories. With a little critical thinking, consumers can see through these schemes. Exploiting the desperation of those under debt pressure, these groups use persuasive phrases like “legal advice”, “smooth sailing”, and “professional reliability”. Once entrapped, they demand sensitive personal details and exorbitant fees. They may even steer consumers towards illegal high-interest loans, worsening their debt situation. Their creation of fake documents does not absolve debts but instead leaves consumers with tainted credit histories.

The notice issued by Qingdao regarding “Preventing Risks from Proxy Complaints in the Financial Sector and Optimizing the Business Environment” clearly states: do not believe rumors about proxy complaints; seek legal and rational means for rights protection. If you have questions about financial products or services, you should raise reasonable concerns through proper channels and directly negotiate solutions with financial institutions.

Haier Consumer Finance underscores to its customers: In cases of loan delinquency, always opt for lawful methods to address the issue. Remember: anti-collection organizations are unreliable and engage in potentially illegal activities. Maintaining good credit is ultimately your responsibility.

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