债消乐-个人债务逾期优化消除上岸
Utilities
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
债消乐 App 是一款面向负债人群的“债务梳理 + 风险评估 + 还款策略 + 免费咨询入口”工具，帮你把复杂债务问题快速变得清晰、可执行。
你会遇到的真实困扰（我们懂）
- 账单太多、平台太杂，不知道先还哪个？
- 月还款压得喘不过气，担心逾期、催收、征信影响？
- 网上信息太乱，怕被误导、怕走弯路、怕越还越多？
债消乐的目标不是空泛安慰，而是让你快速得到一份可落地的“上岸路线图”。
核心功能
1. 6项关键问答，3分钟盘清现状
- 短期债务总额、负债类型、月还款、逾期情况、月收入、还款意愿
2. 自动生成《债务优化建议报告》
- 计算还款压力与风险等级
- 输出优先级清单与应对策略（先稳住，再优化）
3. 一键进入法律援助（免费咨询）
- 提交称呼和手机号即可预约
- 专业顾问回访，协助你更稳妥地推进（如协商路径、风险点提醒等）
4. 隐私保护与安心使用
- 页面顶部隐私提示、匿名临时用户ID
- 仅在你主动提交时才收集联系方式用于回访
适用人群
- 信用卡/网贷/分期/私人借款等短期债务压力较大的人群
- 逾期临界或已逾期，希望先止损再处理的人群
- 想要协商方案、更担心征信与法律风险的人群
温馨提示
本应用提供的报告与建议为基于用户输入信息的分析结果，仅供参考；如需更进一步的个性化方案，可使用“免费咨询”入口获取人工协助。
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Ji'an Baiqi Financial Information Services Co., Ltd., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- User Content
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Ji An Baiqi Financial Information Services Co., Ltd.
- Size
- 10.3 MB
- Category
- Utilities
- Compatibility
Requires iOS 12.0 or later.
- iPhone
Requires iOS 12.0 or later. - iPod touch
Requires iOS 12.0 or later. - Mac
Requires macOS 11.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English and Simplified Chinese
- Age Rating
4+
- 4+
- Copyright
- © 2025 @ Ji'an Baiqi Financial Information Services Co., Ltd.