I. Service Contents of Debt Planners
The main services of debt planner include providing customers with advice and guidance on debt analysis, debt optimization scheme formulation, debt negotiation and debt management. According to the actual situation of customers, tailor-made debt solutions, help customers sort out the debt situation, make a reasonable repayment plan, and reduce the debt burden through consultation.
Second, the legitimacy of debt planners.
Whether a debt planner is legal or not depends first on whether it has the corresponding qualifications and qualifications. In China, people engaged in creditor's rights planning and other related businesses need to have certain professional knowledge in finance and law, and abide by relevant laws and regulations. In addition, debt planners also need to abide by professional ethics and ensure that they provide legal and compliant services to customers.
From the legal point of view, there is no special law and regulation to clearly define the profession of debt planner. Therefore, the legitimacy of debt planners mainly depends on whether the services they provide comply with relevant laws and regulations. If the services of debt planners involve illegal acts, such as inducing customers to evade debts and illegally raising funds, then their actions will be sanctioned by law.
Third, the risk and supervision of debt planners.
Because the profession of debt planner has not been regulated by clear laws and regulations, there are certain risks. When choosing a debt planner, customers need to choose carefully, understand their qualifications and credibility, and avoid being infringed by criminals. At the same time, relevant departments should also strengthen the supervision of the debt planner industry, formulate corresponding industry standards and norms, and protect the legitimate rights and interests of customers.
To sum up:
As a new profession, the legitimacy of debt planner mainly depends on whether the service content it provides is legal and compliant, and whether it complies with relevant laws and regulations. When choosing a debt planner, customers should choose carefully to understand their qualifications and credibility. At the same time, relevant departments should also strengthen the supervision and regulation of the debt planner industry to ensure its healthy development.
Legal basis:
Contract law of the people's Republic of China
Article 8 provides that:
A legally established contract is legally binding on the parties. The parties shall perform their obligations as agreed, and shall not alter or terminate the contract without authorization.
People's Republic of China (PRC) advertising law
Article 9 provides that:
Advertisements shall be true and lawful, and shall not contain false or misleading contents, and shall not harm the public interests or the legitimate rights and interests of others.
Law of the People's Republic of China on Protection of Consumer Rights and Interests
Article 18 stipulates:
Business operators shall ensure that the goods or services they provide meet the requirements of protecting personal and property safety. For goods and services that may endanger personal and property safety, consumers should be given a true explanation and a clear warning, and the methods of correctly using goods or receiving services and the methods of preventing harm should be explained and marked.