The recent ruling by the People’s Court of District 7 (Ho Chi Minh City), which declared the credit and mortgage contracts between VPBank and client Trần Hồng Sơn null and void, effectively freeing Mr. Sơn from a debt exceeding 5 billion VND, has sparked widespread debate. Legal experts highlight numerous irregularities, suggesting the verdict may violate procedural laws, lack legal basis, and compromise objectivity.