Wang Bing is an unlucky person, and his girlfriend is a poor person with a good heart but no social experience.

Wang Bing's girlfriend's name is Chen Shishi, she is good-looking, slender, and can score seven points after being carefully dressed, but this girl was admitted to Yinda from a remote small county, and she is dedicated to working and studying, and she doesn't pay attention to dressing up at all.

Probably never felt the kindness of outsiders to her, the silly girl quickly agreed to Wang Bing's pursuit after Wang Bing launched a warm offensive, although Wang Bing has no advantages that can be seen at a glance, but his character is not bad, so the two get along quite well together, until an accident happens.

In order to reduce the burden on her family, Chen Shishi will go to tutor every afternoon after class, and will go out part-time every weekend, and when the work is over, it is often after 10 o'clock in the evening, and she can't catch the last train back to school, so Wang Bing borrowed money to buy a second-hand electric car and pick up and drop off every night.

One night last semester, Wang Bing drank some wine with his roommate before riding, and after receiving Chen Shishi, he knocked down an elderly man on the way back to school, the traffic accident was not serious, but the compensation amount of nearly 10,000 yuan frightened two college students who had no financial resources.

Wang Bing's family situation is similar to Chen Shishi's, they all borrow money from relatives and friends, support their children to be admitted to college, and wait for college graduation to work to repay debts together.

Neither of them dared to mention it to their families, it was said that Wang Bing drove into someone, he should be fully responsible, and it had nothing to do with Chen Shishi, and some people even advised Chen Shishi to break up with Wang Bing quickly, so as not to get into trouble.

But Chen Shishi thought that Wang Bing would hit someone in order to pick her up, and Wang Bing insisted on taking her back to school every day regardless of the sun or rain, this true feeling made Chen Shishi resolutely decide to stay by Wang Bing's side and tide over the difficulties with him.

But most of Chen Shishi's income from tutoring and part-time work was remitted to her parents' bank account, and after deducting living expenses, there was not much left, and the money sent home was returned to her relatives little by little by her parents, so Chen Shishi knew that her family could not come up with such a "huge amount of money", so she could only find another way.

Soon after, Chen Shishi handed over 10,000 yuan in cash to Wang Bing, Wang Bing only thought that it was the money from Chen Shishi's family, and he was embarrassed to ask more, until someone found Chen Shishi to collect debts, Wang Bing knew that Chen Shishi was gullible and deceived by others and borrowed usury!

Wang Bing didn't say a word, and immediately borrowed money from everywhere, and finally made up the arrears and planned to pay them back with interest, but he didn't expect the lender to take out an IOU with an amount of 20,000 yuan.

Because the annual interest rate of private loans exceeds 24%, it is not protected by law, so Chen Shishi has to write down double the amount of the loan when borrowing, and the annual interest rate of the loan is 12%, according to the lender, this is an unspoken rule in the industry, and the naïve Chen Shishi easily believes it, but at this time she is unable to plug the gap.

In addition, the default rule of loan sharks is to repay the loan at 12 noon on the agreed day, even if it is a few seconds late, it will be considered a default, Chen Shishi waited until she was called for debts before she followed Wang Bing to make money, so she naturally had to calculate additional new interest.

The snowball rolled up like this, and it was impossible for Wang Bing to get back the money he had gathered, more than 10,000 yuan was all snatched away by debt collectors, and Wang Bing himself was beaten with a blue nose and swollen face, and this more than 10,000 yuan was actually counted as interest and liquidated damages!

Wang Bing and Chen Shishi wanted to ask for help, but their families were far away from their hometowns and could not provide them with protection, and school teachers and counselors were unable to resolve the financial disputes. At first, when the two called the police, the police would come to mediate, but later they couldn't explain it at all, and calling the police would not solve the problem, but would only lead to more cruel retaliation.

In the third month, Wang Bing and Chen Shishi were unable to pay the interest on time, and the debt collectors used unimaginable debt collection methods, and finally forced Chen Shishi to a nervous breakdown.

Soon after that, Chen Shishi disappeared, and no one on campus saw her again, and everyone said that she had evaporated from the world and avoided debts. The debt collector shifted his target and began pestering Wang Bing, demanding that he repay his girlfriend's arrears and interest.

From beginning to end, Wang Bing and Chen Shishi only did one small thing wrong, and then stepped into the trap because of their lack of social experience and fell into the bottomless abyss.

When Fang Ziyu heard this, he could only let out a sigh.

Ying Yingying sighed: "I used to think that those people who couldn't afford to borrow loan sharks in the news jumped off the building because they were stupid and cowardly, I have never been able to figure it out, a person is not even afraid of death, why are you afraid of those bastards who lend money?" It wasn't until after Chen Shishi's accident that I realized that borrowing usury was more terrible than death...... Do you know how they collect debts? ”

"I don't know." Fang Ziyu shook his head and asked, "How did they force Chen Shishi to collapse?" Hands-on hitting? Or is it a blockage? ”

"The school security guards won't let them into the women's dormitory, so it's not okay to block the door, it's not okay to beat people, the police will intervene, and if they are injured, they will detain them, and they will only do it when Wang Bing does it, and more often, they will not use force. But their methods are a thousand times more terrible than slashing people with knives. ”

"What did they do?"

"Not only did they harass Chen Shishi, blocking her outside the school gate to prevent her from leaving the school to work part-time, but they also harassed her family, friends and classmates, and her parents received dozens of harassing phone calls every day, either with unbearable insults or lying about Chen Shishi's suicide by jumping off a building, taking medicine, or lying on the rails." Ying Yingying recalled everything that happened before, and still had palpitations, "Chen Shishi withstood the pressure and insisted on not letting her parents come to Yinjiang, of course, they still came later, because Chen Shishi almost really jumped off the building to commit suicide - this is what happened later, the debt collector harassed her parents on the one hand, and her friends and classmates on the other hand, mainly roommates, including me, every roommate has received harassing phone calls and threatening text messages." ”

"At the beginning, everyone protected Chen Shishi and helped her find a solution, but later, the debt collectors did not harass Chen Shishi, but harassed the people around her, and the identity information of everyone in our dormitory was found out by them and put on various obscene websites, not only that, but they would also P our photos to the nude, and send them to the school post bar, forum, QQ group, and finally ...... Finally, they made a picture of a girl in our dormitory...... I made it into one of those small cards and put them in a hotel near the school. ”

Seeing Ying Yingying's embarrassed appearance, Fang Ziyu knew that this kind of small card was a common "special service" business card in low-grade hotels.

"I won't tell you the girl's name, her long-distance boyfriend took a long-distance train for more than 50 hours to come to see her, the two went to live in a hotel next to the school, her boyfriend saw a card like this in the crack of the door, and broke up on the spot, no matter how to explain, and finally we helped testify before we believed her, but there was an estrangement, plus it was a long-distance relationship, not long after the two separated, the boyfriend became an ex-boyfriend, for this, she cried for half a month."

In the end, the situation became more and more serious, three of the six people in the dormitory knelt down and begged Chen Shishi to let everyone go, Chen Shishi finally broke down, crying bitterly and ran to find a loan to intercede. When I came back that night, I walked to the roof of the dormitory building alone and wanted to jump down. ”