借贷救济公司通过伪装为律师事务所来规避法律, 以非法收取预付费用. Debt relief firms skirt laws by posing as law firms to charge illegal upfront fees.

债务减免公司利用一个"漏洞", 以律师事务所的身份提前收取费用, 而联邦法规禁止这样做. Debt relief companies use a loophole to charge upfront fees by pretending to be law firms, violating federal rules. 这些公司经常拿客户的钱, 但却未能减少债务, 让消费者信用受损和经济损失. They often fail to reduce debt, causing financial harm to consumers while the industry grows.