Liu Yi began to prepare to go back to school, and it happened that Chen Shuyi received a phone call at this time, and the source of the call was local. "Hello, who is it?" Chen Shuyi picked up the phone.

"Your mother owes us 600,000 yuan, when will you pay it back for her? The other party's tone was very loud.

"Who are you, the money my mother owes you, where is she?" Chen Shuyi became nervous, this mouth is 600,000, 600,000 is an astronomical amount, what did she use to pay it back, she could only look at Liu Yi, and Liu Yi made a gesture.

"Where are the people? We still want to know. "The other party is also very angry.

Liu Yi took the phone, "If you want to solve the accounting problem, please contact Officer Zhang, he has already explained to us, all the accounting problems must go through him, otherwise we will be sued for fraud." Liu Yi said lightly.

"Who are you, believe it or not, I will destroy your whole family. "The other party's voice is very loud, Liu Yi probably already knows who it is, if you want to solve this kind of person, you have to rely on more powerful people to suppress it in the end, although the loan shark is very powerful, but in fact, they also have people who are afraid, that is, the police, everything must be reasonable.

"I am her client in this matter, if you want to get back the arrears, you can, bring the IOU or the arrears contract to the Public Security Bureau to find Officer Zhang, if they contact us, we will come and deal with it, we will not accept anything to settle privately, your noise like this will not help solve the problem." Liu Yi was also very scared in his heart, he had not been in contact with the underworld, and he didn't know what kind of means they had, but if his family was threatened, he could pay for these people to disappear from the earth, he was a rich man, provided that he was a rich man who could save his life first.

"You wait, wait for my eldest brother to talk to you. Then another person took over, "Hey, boy, hurry up and return the money, otherwise if you look good, I can destroy your whole family." ”

"Boss, it doesn't make any sense for you to solve things like this, my family is now protected by the police, you can give it a try, since we want to find a way to repay the money, we naturally have to choose a legal way. Let me make it clear again, since we have the money to pay back, we will naturally use the money to do anything, including anyone who threatens me, if you don't believe me, you can try, as long as my family is harmed, no matter where you run, I will take your life. If you want to solve the money matter, contact Officer Zhang of the Public Security Bureau to discuss anything with the Public Security Bureau. Liu Yi hung up the phone.

"One, what should I do, what if they really come to the door?" Chen Shuyi has never encountered such a thing, Liu Yi has also not encountered it, and he has no way to do these people who do things secretly, but fortunately, he has money, not only can he afford to hire a private detective, but also can afford to hire a killer or a hired organization, and it is not impossible to solve this gang of people, but when he encounters this kind of local snake, most of the time it is still very troublesome.

"I didn't do anything, find someone to them. Liu Yi said that he now has dozens of security guards in Huatian Real Estate, all of whom are veterans, and there are always a few useful talents who can be mobilized at any time. "Wait, if they really want their money back, they'll be in touch

Yours, as long as it's the same call, don't answer it again, if they find Officer Zhang, let's solve this matter, this should be the largest amount of arrears owed by your mother, solve this arrears, there is no big problem, if your mother borrows from other places, then we can't manage it, this repayment of money can't last forever, and ultimately rely on the law. Liu Yi said seriously, any evil crooked way will be defeated in the end, the real sustainable is still relying on the law, maybe the evil crooked way can gain the upper hand for a while, but there is always a weak time, and the evil crooked way is afraid of the evil way, and the one who does not pay attention to the rules is also not the one who is afraid of the rules.

"What if my mother goes to jail?" Chen Shuyi looked at Liu Yi worriedly.

"It's a good thing for her to be inside, you don't have to contact the outside world, and there won't be any trouble, if you do something illegal, you must accept the punishment of the law, are you afraid that you won't be able to support your mother in the future? Liu Yi persuaded Chen Shuyi and asked her to sober up, if the person who owes money finds her, she has no way at all, her mother borrowed not a small amount of money, it is tens of thousands, or even millions, even if she has money, she will eventually squander it, people are like this, greed will make people fall into the bottomless abyss," I will tell Officer Zhang and let him warn everyone that if anyone lends money to your mother in the future, we will not help pay back a penny, if not, let them try, at the legal level, your mother is responsible, and she will be responsible for everything. Liu Yi said very indifferently, in fact, this is good for Chen Shuyi, money is not easy to earn, but it is easy to spend it, Chen Shuyi now feels that she spent Liu Yi's money, embarrassed, when she finds out that Liu Yi is rich, she will feel that everything should be, this is harmful to her, Liu Yi does not want her to be such a person, the best way is not to pay for anyone's illegal acts.

Chen Shuyi didn't speak, now she has no relatives, only Liu Yi can believe, Liu Yi said such a thing again, her heart is very uncomfortable, if the last relative goes to prison, where will she go in the future? Chen Shuyi can't see her future, Liu Yi is also very helpless, people can't use their beauty or feelings to blackmail others, let alone take the acquisition as a should, the final result will only harm others and themselves, Liu Yi will never pay for anything that happens later.

The time did not wait too long, Officer Zhang's call came in, Chen Shuyi answered, and the two sides agreed on the time, it was time to settle the last account. At about half past nine in the morning of the next day, Liu Yi and Chen Shuyi went to the police station, which was still the old place, and this time they saw a strong man with a big gold chain, sitting there with a few people, looking murderous, as if they were going to eat people.

"You're here, it's the finance company your mother borrowed from. "Officer Zhang said very tactfully, in the absence of established evidence, no one is guilty. Liu Yi They sat down and watched from the side, Officer Zhang handed a contract to Liu Yi, he knew that it was Liu Yi who was in charge in the end, although he didn't know what the relationship between the two was, but look

It can be concluded that Liu Yi is still good to Chen Shuyi, and this amount is very large. "According to the contract, your mother borrowed 550,000 yuan from their company on October 8 last year, and according to the interest payable, it is now 800,000, which is still deducting the amount that should be paid with the latest interest. Officer Zhang said to Liu Yi,

Liu Yi looked at the terms of the contract carefully, there was indeed her mother's signature, and it was a fingerprint, leaving the number of the ID card, and there was a collateral on it, Liu Yi saw it, and now the collateral has been sold by her mother, so naturally there is a problem, Liu Yi read the relevant terms very carefully, this is problematic, the reason why there is a problem with usury is that in this place, the contract of usury is actually very simple, especially when the interest is written relatively vaguely, because there are several statements, just to avoid legal problems。 "There's a problem with this contract, we can't pay so much. ”

"What's the problem?" Officer Zhang hurriedly asked, and the big gold chain on the opposite side also looked at Liu Yi, his eyes full of murderous aura.

Liu Yi ignored them, but said seriously, " According to the relevant regulations of the state, the loan interest rate protected by the national law is not higher than four times the bank loan rate, and the maximum loan interest rate allowed by the state for private lending is up to six times the bank interest rate, and the interest cannot be calculated repeatedly？”

"Yes. "Officer Zhang didn't expect that a college student would still understand the law, the reason why Liu Yi knew was because he had also taken out loans, even if it was a private loan, there were regulations, and more than ten years later, the state management became stricter, and many private loans could not be implemented here, and many loan shark companies also went bankrupt.

That is to say, according to the treaty written above, the loan period is six months, according to the maximum loan interest rate stipulated by the central bank is 4.85 percent, according to the maximum limit of legal protection, that is, the annual interest rate of 19.4 percent, and her mother has not repaid the money for two months, that is to say, the maximum amount of liquidated damages should be paid, according to 29.1 percent to calculate the annual interest, calculated that the interest we should pay is about 27000 yuan, and the money we should pay should be 577,000 yuan, which is the provisions of the law, and the excess part is not allowed by law, if we must be required to pay, then we apply for legal protection, I will hire a lawyer to fight the lawsuit, and we can not pay this amount, after all, it was not Chen Shuyi who signed the contract. Liu Yi said seriously.

"You, him. Before the words of the big gold chain were spoken, he was interrupted by Officer Zhang, he looked at Liu Yi with admiration, this little guy really understands, and according to the law, it is reasonable, it is really smart, and it is very clear, the face is given, if the other party still wants to entangle, then the trouble will be very big, "What you said is very good, it must be in accordance with the law, no one can regard the law as nothing, and anyone who does not obey the law will be punished by the law." This is more like reminding the big gold chain that this money should be collected like this.