When Zheng Chengxian was arguing with the leader, the other splashes were not idle, these people obviously had sufficient premeditation and rehearsal before the action, and the action was fast. Several people brandished sticks in the courtyard and smashed them at will, showing off their strength through this kind of sabotage, which is also their experience in the industry.

Before these people lend money, they will carefully examine the other party's family background and temperament, and will only pick people who are easy to deceive to lend money. Such people basically do not have the ability to resist splashing, and they are timid and afraid of things, and the more unscrupulous they are, the more afraid the owner will be. Especially if the arrest is just around the corner, they can still smash it like this, which means that the government is on their side.

If you can't beat it, Wang Fa doesn't protect herself, and those homeowners have no other way than to hand over the house. This kind of smashing method, in their debt-asking career, can be regarded as a magic weapon that has been tried and tested, and it is extremely skillful in use. The flower pots, fish tanks and other objects that were originally placed in the courtyard turned into a pile of debris in the bursts of roars.

These people didn't dare to admit to Fan Jin, a person from other places, but they were not very afraid, although the sticks did not dare to greet him, Guan Qing and the others, they never considered his existence when they smashed it. Fan Jin also seemed to have an attitude of not caring about himself, watching them smash, Guan Qing and the others did not obstruct it. After all, this matter has nothing to do with him, and it is understandable not to stop it. It wasn't until Fan Jin scolded him that a few splashes looked at him, but Fan Jin had already walked towards the man who was the leader at this time.

"Killing people to pay off debts and paying off debts, this is the simplest truth. There is nothing wrong with ordinary people not reading the Da Ming law, but they live by their own truth, and I also support this truth. However, the ugly words are said earlier, this truth is not always true, killing someone does not necessarily have to pay for life, and not all debts need to be repaid. One of the things I appreciate about you people is that you know how to reason, not just use your fists. You people have finished preaching, and now is the time for the scholars to reason. The girl comes here, what's the use of crying, can crying make them cry away? Can you solve your family's problems? ”

"This son, I don't do your business here, we just collect the house from the Zheng family, and don't delay your stay, the tank is also the Zheng family's, not your ...... son"

"Didn't I buy the cylinder from the Zheng family? Did you ask the price when you smashed it just now? The things of the readers, which are also matched by you? I rented this yard, and I like even people in the yard, so what qualifications do you have to touch this group of rough billets? I'm reasoning with you now, and if you can talk so well, why should you be afraid? ”

Fan Jin snorted coldly, and said to the little girl: "Come here, you drank so much porridge from me in the morning, don't you believe me now?" I'll tell you, if you don't come, I don't care. ”

The girl thought for a moment, and finally made up her mind, and let go of the hand that was gently grasping her father's arm, and walked towards Fan Jin.

The age of girls is not big, but it is not small to say that it is small, and for some groups with distorted psychology, they have reached an age where they can enter. Just as Fan Jin lacks understanding of the Zheng family, the Zheng family is actually just as unfamiliar with Fan Jin.

Although he behaves very well, his demeanor and actions also have some signs of the second ancestor of a wealthy family. When he entered Beijing to take the exam, he brought a beautiful maid and maid, and there were strong family servants around him, so that the money was not counted, and he had to drink polished rice porridge for breakfast, which in the eyes of the Zheng family, naturally gave Fan Jin the label of a local tyrant.

A well-talking tyrant is also a tyrant, and in the eyes of the poor, these are all demons who eat human flesh and drink human blood. Even if he shows enough friendliness, he is also a scholar, and Zheng Chengxian is also educating his children in private and staying away from the family. Especially the daughter, you have to keep your distance from each other so as not to suffer. He didn't even object to his daughter's soot on her face.

The girl of the Zheng family gets along well with Xue Wu and Sister Gui, and can even experience the long-lost maternal love in them, and she is always afraid of Fan Jin and doesn't want to approach. But now, she doesn't care. Anyway, it has reached a desperate situation, what does it matter if this person is good or bad, no matter how bad it is, can it still be worse than these people?

Xue Sufang stepped forward, pulled her over, and glanced at a few splashes with unkind eyes. Fan Jin asked: "Little girl, let me ask you, how much does your family owe these heroes?" Principal. ”

"I borrowed three times before and after, totaling twenty taels of silver."

"How much is the monthly profit?"

"Three points."

"How much did you pay back with interest? How much do you still owe? ”

"I have paid back thirteen taels one after another, and I still owe fifty-six taels and four. If they don't count the rent, then they will have more, but why don't they count, Master Fan has already paid the rent to Tang Niuzi, so why don't you say that it doesn't count. ”

Fan Jin patted the little girl's dirty little head, "Does it make sense to say this now?" Don't mention this, such a large debt, it must be documented, right? ”

Zheng Chengxian said: "Naturally, there is a written note, and when the written note was made, I also invited a Chinese person from Liu Shuban of the county yamen. ”

"Then trouble Elder Zheng, bring the note, I'll take a look."

The little girl did not wait for her father to move, but spread her legs and ran to the backyard, shouting, "I'll get it!" ”

The big man who was the leader looked at Fan Jin, and his face was a little ugly. "This son, are you going to stand up for their family?"

"You say yes, yes. Actually, I just want to do justice, and of course, for you parasites, it can also be seen as giving them a head. It doesn't matter, you can see whatever you want, because your opinion doesn't make sense to me. ”

"I know that you are a man, and you are much stronger than us little people. But I have to remind you, this is a Jingshi, and there are hundreds of scholars, don't really think that you are a filial piety and how great it is, and it is not worth it to put yourself in it if you are not careful. Besides, this note is a guarantee made by the master in the yamen, can you still overturn it? ”

Fan Jin was not stunned or angry, and said with a smile: "If you don't push it, you always have to read the notes to know." Zhigao, move a few chairs out, I'll accompany them to blow the cold wind for a while and wake up and take a nap, and when it's over in a while, I'll settle the account slowly. ”

Fan Zhigao moved a few Taishi chairs out of the house, Fan Jin sat down by himself, and motioned for Xue Sufang and Zheng Chengxian to sit too. Looking at his calm and relaxed appearance, Zheng Chengxian's heart also had a little bottom. The heart that was beating violently gradually tended to flatten out, and the head was not as dizzy as it was just now.

Perhaps, this time I really met a nobleman? Hopeful of a turnover? He looked at Fan Jin, and then at the fierce men, his heart was still hanging, but it was better than the other side.

Dahan looked at Fan Jin and Guan Qing behind him, who was like a door god, and couldn't make up his mind to do it for a while. Dabi made a move in the year, and this responsibility is not something he can bear as a splash on the street. I could only wait there with my shoulders crossed, and quietly ordered a man next to me a few words, and the man turned around and ran out of the courtyard.

The girl of the Zheng family also ran back at this time, holding both the notes in her hand and the stamp that these people had made when they collected interest every month. The economic strength of the Zheng family naturally does not pay off the principal, and occasionally earns some money, and it also pays back interest. The main way to repay is to rely on rent, and to prove that they repay in the form of a deduction stamp.

The debt of the three principals occurred in the first year of Wanli, and even according to the three-point interest, the Zheng family never repaid the money, and it will not reach this amount until now. However, these lenders used the method of donkey rolling, and when the Zheng family could not repay the interest in time, this part of the interest was counted in the principal and the interest was calculated repeatedly.

Compared with his previous life, the money lenders of the Ming Dynasty were limited by the times and personal knowledge level, and their lives were very rough, far less clever than those loan companies in their previous lives. It mainly relies on violence, and the procedures seem to be complete, but in fact they are full of holes. Of course, the purpose of the two is the same, both are to start with the borrower's house.

The market price of this house Fan Jin is not too clear, according to Zheng Chengxian, the quadruple set of these eight tiled houses plus a pear tree can be sold for about 80 taels. However, this is the number he personally said, whether it can be sold at this price, no one can buy a package ticket.

Besides, there is no appraisal company at the moment, and buying and selling a house is either done by finding an acquaintance by yourself, or by pawning through a pawnshop, or by looking for a tile to shake his head as an intermediary. There are obviously a few shakers on these cheeky hands, and the price of the house assessed must be very different from Zheng Chengxian's psychological expectations.

The leader of the big man said: "This son, you have also seen that we are also acting according to the contract, and his Zheng family will return the house if he doesn't pay the money, and we are justified wherever we go." Since you are a lifter, you must be a person who understands the law, and you always know that three people can't lift a single word, even if you want to come out, I'm afraid you have to think about whether there is a place for you to speak. ”

Fan Jin asked the man, "Do you have a note, it is the same as the Zheng family's note?" ”

"And there can be two copies? Show this boy our notes. ”

A man took the note he had brought earlier and handed it to Fan Jin, but he was afraid that he would rob it. The leader of the big man scolded: "Ramming goods, the father in the yamen is here, are you afraid that he will tear up the IOU and not admit it?" Show him! ”

At this moment, someone outside the courtyard gate said: "This matter of repaying debts and money is that the people understand the reason, and you can solve this kind of matter by yourself, why bother to bring me here, really, how can it be reasonable." This Zheng family originally looked at their duty, but I still protected it in many ways, why is it becoming more and more unreasonable now? I'll have to talk to him and see what he thinks. ”

While speaking, a thin man in his fifties walked in from outside, Zheng Chengxian hurriedly stepped forward to salute, but the other party snorted ignores, only looking at Fan Jin. Under the name and surname of the report, it was learned that this person was Liu Changli, the secretary of the Daxing County Bureau, and he was the witness of this IOU.

In the Ming Dynasty, the law popularization rate was low, the enforcement rate was even worse, and the attitude of the people in the yamen often represented the will of the judiciary among the people. Even the secretary office said so, and the confidence that Zheng Chengxian had gathered disappeared again.

The two big black and white eyes of the little girl of the Zheng family stared directly at Fan Jin, compared to her father, who always believed in respecting scholars, the little girl did not have a good impression of scholars. But she has a gut feeling that this man will definitely bring changes to her family, and if even he can't do it, no one can do it.

Liu Shuban said to Fan Jin at this time: "Fan Gongzi, right? You are a subject of this subject, you should study hard and prepare for the exam, this is an idle matter in Beijing, and it seems that Gongzi should not be involved in it. Being distracted outside the exam room can be detrimental to your end. Besides, it has nothing to do with you, no matter who owns the house, it will let you live until the end of the lease.

Whoever dares to drive you away in advance will go to the county yamen to find the small one, and the small one should be the head of the respectful driver. ”

Fan Jin smiled, and took the note and stamp in front of Liu Shuban, "Liu Shuban, please take a look at this, after reading these things, do you think they should still take the house?" ”

"Naturally, they should have received it, their family only repaid thirteen taels of silver, and they still owed more than fifty taels of silver. In fact, if it weren't for the honesty of the Zheng family, this house alone would not work, this dilapidated house is in disrepair and has many damages, but it is not worth more than fifty taels, at most forty taels is about the same. However, the old neighborhood, it is not easy to look at his family, even if he is cheaper, so-so, and the debt house is worth two. However, the Zheng family can't live here anymore, Lao Zheng, instead of this mushroom, don't hurry back to the house to pack up your things, it's worth a lot of money to break the house, but don't miss anything and can't take it away, it's not easy to find it again. ”

Zheng Chengxian's face turned pale, and the person slumped in the chair. His lips trembled, as if he was about to admit bad luck. The little girl of the Zheng family hurriedly said: "Master Fan hasn't spoken yet, don't move, dad, I don't believe it, the eldest master has come out, and you can still let them take the house!" ”

Fan Jin smiled at her, "Little girl is so knowledgeable, let's make a bet?" If I leave you the house, you will have to wash your face every day from now on, and you will not run around like a briquette. If I lose, how about I paint a black face with you? ”

The little girl thought for a while, nodded and said, "If Master Fan wins, then I will give you a month's free room money, as long as you are at home, I will wash my face." ”

"It's only been a month's room money, it's really picky." Fan Jin smiled and nodded: "That's it." ”

He looked at Liu Shuban again, but his face was ugly. "The role of the yamen is to ensure that the people live and work in peace and contentment, so that the world is peaceful. When ordinary people are in trouble, they go to the government to fight a lawsuit, instead of picking up a knife and fighting hard. Failure to do so would be a dereliction of duty. It is not surprising that some people think that they are stronger than others and should live better than others, but it is the fault of the yamen that they cannot kill this kind of person. If the people of the yamen agree with these people's ideas, or even collude with them to help them commit abuse, they can be killed. You dare to recognize such a word, I think you should have been exempted from this book office a long time ago! Even if you are a criminal officer, you are not a criminal department, but since you are doing things in the yamen, Da Ming Law should always be memorized, otherwise why eat this bowl of rice. According to the law of the Ming Dynasty: All private lending of money and debts and pawned property shall be profitable every month, and shall not exceed three cents. Although there are many years, it is just one book and one benefit. Violators shall be punished with forty lashes. Those who use surplus profits to weigh the stolen goods will sit on the stolen goods. A hundred rods of sin! Tell me, how much is twenty taels of silver and one profit, how much is he collecting now, you don't take these people to make a board, and you come to the Zheng family to ask for debts, what is your intention! What qualifications do you have, to be an errand boy in the yamen! ”