When Omar saw Zhou Ming and Johnny and other black family representatives together, he jokingly walked over and said, "It's really lively here, it seems that I should have come later, so that everyone can have a better chance to get to know each other." ”

Omar walked all the way, and everyone, including Johnny, took the initiative to greet him eagerly, which shows that Omar has a good popularity in the Vida community, at least in the black circle of the community.

Zhou Ming and Omar high-fived: "I just introduced some information about subprime loans to my friends in the community. ”

Everyone nodded, and the black woman said: "I really listened to Mr. Zhou Ming's introduction to know that it turns out that the preferential loan from the bank is really so preferential? It's only three percentage points, but those guys from Brooke Company, they actually asked me for 7.6 percentage points, which is more than double the preferential interest rate of some friend, I really feel like an idiot who has been tricked by others!"

The black woman's words immediately struck a chord with the others: "Yes, those white people keep saying that they will tolerate us and respect us, but in reality, they don't think of us as Americans at all, they just treat us as slaves to make money for them!"

"Although it has been more than 100 years since the Declaration of Independence was issued, there is still no hope for the dismantling of many ideas, and it is precisely because of this that we need to be more united, and only together can we fight for the greater good for ourselves," Omar said. That's why Mr. Zhou Ming is here today, and I think we need to listen carefully to what he has to say and finally make our decision!"

With Omar's words, all the blacks shouted in unison, and then Omar handed over the right to speak to Zhou Ming, but Zhou Ming did not stand on the stage, but still stood there, and asked everyone to gather around and say: "Friends, we said today that we were going to hold a residents' meeting, but in fact I am not a federal official, I don't need it at all, we came here today just to chat with you, that's all." ”

In fact, credit rating is a thing, and no matter how systematic and rule-based it may seem, it is ultimately the white people who have the final say. Zhou Ming said, "It's a very simple truth, a black man and a white man, two people have the same conditions, I think the standard of judging white people is to be one level higher than black people, right?"

Everyone was nodding their heads at Zhou Ming's question, and Zhou Ming suddenly threw out a question at this time: "Then do you know why?"

The blacks all shook their heads in unison, and Zhou Ming continued: "I don't know what is going on, I am not white, but I think since there is a 9 percentage point loan interest rate of Brooke Investment Company, I don't believe it to say that it has nothing to do with him." ”

Zhou Ming deliberately didn't say it, because what he thought of was more convincing than the news he knew, and Zhou Ming said more exciting information next.

"Maybe a 9 percentage point interest rate doesn't feel like anything to you, but if you want to borrow $200,000 to buy a house and repay it over 20 years, then the interest you have to pay is as high as $230,000, and even more than the principal amount you borrowed!"

Listening to Zhou Ming's words, everyone next to him couldn't help but gasp, Zhou Ming paused when he said this, he looked around before he said: "I know you may not believe me, then you can take out the calculator and calculate it yourself." ”

Zhou Ming's tone was very confident, he was not worried that someone would really take out a calculator to confirm it, because what he said was the truth, a fact that was easy to be ignored, this is the profit in the bank, maybe 9 percentage points a year does not sound like much, but it is very scary after 20 years. And this is still under the premise of mortgage and monthly repayment, if you calculate the total amount directly, it will only be more maddening.

"Let's think about how much money you're going to make in a year, fifty thousand dollars, right? But how much are you going to pay back? Seven thousand or eighteen? That's more than twenty thousand dollars a year, almost half of your income. ”

Zhou Ming said: "This is not a small amount of money, because if there is no interest rate of these 9 points, you can save nearly 10,000 US dollars in interest, you can take your wife and children to vacation every year, you can ask for an extra piece of beef when eating burgers, you can even choose the cigarettes and beer you want the most, and go to Las Vegas, but now?"

Zhou Ming looked around and said: "The money you could have used for pleasure is now all used to raise those fat-headed and big-eared white people, and more importantly, those white people are not grateful to you, they will only think that this is the slave to the master's due tribute!"

Zhou Ming's tone was slow, he paid attention to the expressions of these black people as he spoke, Zhou Ming found that their eyes were full of anger and unwillingness, Zhou Ming knew that the heat was enough, so he finally said: "But now there is a chance, of course, I can't help you get back your own money from which white businessmen, but I can help you take revenge on those bastards who lie on you and suck your flesh and blood!"

These words made everyone's eyes light up like a bright light in the night, and these black people looked at Zhou Ming with great anticipation.

"Now I have a plan for Bruker Investments. Zhou Ming said, "Maybe you don't know, you took out a loan from Brooke Investment, but in fact, he has already mortgaged your property to the bank, and borrowed more money, if your property is worth $200,000, then he has borrowed at least $400,000." ”

Zhou Ming's words surprised everyone, and they exclaimed one by one: "How can there be so much money? Is it because of their credit rating? Or is there any other reason? But we have not defaulted, hasn't he already defaulted by doing so?"

Zhou Ming raised his hand to signal everyone to be quiet, and he continued: "I won't say much about the specific operation, because the process is more complicated, but as long as you know, they don't think about what will happen to your property, they just need to make more money on their own! But no matter how they operate, in the final analysis, it is based on your loan, as long as you file for personal bankruptcy, you can drag them down!"

As Zhou Ming finished speaking, the black people next to him were suddenly stunned, and they looked at Zhou Ming blankly, not knowing what to say at all.

After speaking, Zhou Ming gave Omar a look, and he also helped Zhou Ming and said: "What Mr. Zhou Ming said is very reasonable, because we have all signed contracts with Brooke, and it is absolutely impossible for us to get the money back, but we can retaliate against those guys, isn't it good?"

Omar's words seemed to pull them back from their shock, and someone asked the same question as Johnny before: "We don't disbelieve you, but if we go bankrupt and default, then our house will be sold, and we won't have a home to live in?"

With the first one, everyone else asked, "Yes, is there any way we can forgive this loan, or can we keep our house?"

Faced with these problems, Zhou Ming explained to them: "Excuse me for a loan to keep the house, I'm sorry it's very difficult to do, but there is only one thing, I won't make you homeless, I can help you rent a house, and even after the matter is over, I can help you buy the house back, as long as you file for personal bankruptcy and let Brooke go bankrupt." ”

After Zhou Ming finished speaking, his eyes were still full of hesitation when he saw these people, and he had no choice but to set his eyes on Johnny.

"Mr. Johnny, I know that you are very smart and good at making choices, so do you think if it were you, would you take revenge on those bastards, or would you be their slave?" Zhou Ming asked.

Johnny is not stupid, he knows very well why Zhou Ming named him at this time, so he said: "Of course I want to take revenge on those bastards! Although I don't have that much money and I don't have any power over Congressman Brooke, at least I will resist, just like Martin Luther King and other compatriots who dare to resist, and fight for our fairness!"

After saying that, Johnny finally looked at Zhou Ming and asked, "Mr. Zhou Ming, can you swear to God that if I file for personal bankruptcy, I will definitely be able to take revenge on those hateful white people?"

Zhou Ming stretched out his hand: "Of course, I can swear that as long as you and your compatriots in the Vinda community can work together." ”

"Okay, then I'll promise you, Mr. Zhou Ming, that I will file for personal bankruptcy!" Johnny said.

"Mr. Johnny, you made a very wise choice!" Zhou Ming then turned to the others, "What about you?"

In the face of Zhou Ming's question, everyone could feel their hearts skipping violently unconsciously, and there was also an urge to make a decision in their hearts, but in the end, they only missed speaking.

This is Zhou Ming's most nervous time, Zhou Ming has done the limit of what he can do, and in the end it depends on their decision.

Zhou Ming didn't speak, just sat there quietly and waited for their answer.

The air around seemed to be stagnant, and everyone's breathing seemed to have stagnated at this moment, and after a while, someone said, "Mr. Zhou Ming, I don't think I can do it." ”

These words made Zhou Ming's heart tighten, but he asked quietly: "Why?"

Although Zhou Ming didn't say much, the black man still felt a lot of pressure, and he swallowed several mouthfuls of saliva: "Mr. Zhou Ming, it's not that I'm not united enough, it's just that my son has just been born, I need to have a stable environment, I can't accept my house being taken away by the bank for auction, and I can't accept moving back and forth, so I'm sorry." ”

Before Zhou Ming could speak, the others said: "I'm sorry Omar and Mr. Zhou Ming, I don't think we can accept it either, we are very grateful for you to help us tell us this, but to ask us to file for personal bankruptcy and ask the bank to take away our property for auction, this is unacceptable to us no matter what." ”

"So your final decision is not to take revenge on those white businessmen, but do you know that they will not thank you, but on the contrary, they will laugh at your cowardice?" Zhou Ming asked.

Under Zhou Ming's questioning, everyone lowered their heads, and Zhou Ming decided to take advantage of the victory to pursue and continue: "You all have your own wives and sons, and you all have your own American dream, but now? Every drop of sweat you shed is to inject more fat into the belly of those white people, your wives and children can obviously go to Rhode Island for vacation, but the high interest rate makes you have to go to the park in front of your home, is this your dream?"

"Of course not!" Someone couldn't help but Zhou Ming's questioning and said suddenly, but his words were like that, he continued, "But we can continue to work hard with money, but if the house is gone, it is really gone, if you want to take revenge on those white people, Mr. Zhou Ming, you better find someone else." ”

And when he had said that, the man fled, and with the first to take the lead, the others did the same.

"Mr. Zhou Ming, we're really sorry, it's not that we want to be bullied by those white people, it's just that we really can't do it, so you better find someone else for this matter, we really need to keep our house. ”

The blacks said this, and one by one they fled the square.