"but not to their first debtor but to the second one. I wondered what will be the benefit in all this for this company?"

That is a really great point @josevas217. It reminds me of the "principal-agent problem," where the company is the agent and the customer is the principal.

"a conflict in priorities between a person...and the representative authorized to act on their behalf. An agent may act in a way that is contrary to the best interests of the principal."

"But, the best thing is to think before getting into big debts"

Totally agree, I guess Albert Einstein said it best. “A clever person solves a problem. A wise person avoids it.”

Thanks @josevas217.