Zhang Lan was a little surprised to see Tang Jiajia nodding and asked, "How much money do you have now?" ”

"And more than five thousand." Tang Jiajia replied.

"Is that the salary you paid before you came back at the end of the year?"

Seeing Tang Jiajia nodding, Zhang Lan gave her a thumbs up: "This thing is done well, remember, when you can't afford to pay it back, the first thing is to keep the money in your hands first." You owe money not life, and taking care of yourself first is the main thing. ”

Looking at the numbers written on the paper, Zhang Lan said: "It's okay, the highest principal is not 30,000, and at most it is a civil dispute, don't worry too much." ”

took out his mobile phone and called up the calculator, Zhang Lan calculated it and said: "The credit card plus your loan is more than 240,000 yuan in total, let's count it at 250,000." ”

After counting the numbers, Zhang Lan tore the paper off the notepad, and then said: "Now you turn on your mobile phone again, and you can count the online loans you can remember, and you can remember what platform you borrowed, right?" ”

Tang Jiajia nodded and shook her head and said, "It's all borrowed from the platform, and I forgot which one I had." ”

Looking at the names of the platforms and the amount of money Tang Jiajia said, Zhang Lan couldn't help but rub her eyebrows, and said, "You didn't just start this year, when did this start?" ”

"I started with a credit card when I was in college, and it was very easy to apply for a credit card at that time, and then I slowly got more and more ......, tearing down the east wall and making up for the west wall," Tang Jiajia explained, and the more she spoke, the lower her voice became.

Zhang Lan nodded, waved his hand and said, "Okay, I know." ”

I took out the calculator and added it, and the number was a little less than before, about 150,000. There are four major platforms in the main concentration, and the same amount varies from one to another, with the largest being more than 30,000.

"That's about 400,000, Jiajia, did you calculate the total amount when you borrowed money?" Zhang Lan asked casually.

didn't wait for Tang Jiajia to answer, if she knew it in her heart, Tang Jiajia wouldn't owe so much.

Zhang Lan thought for a while and asked, "In addition to these, do you owe money to private individuals, such as your classmates or something, or borrow private money privately?" ”

These people who signed the contract are good to say, in case there is the kind of direct connection with the private person, this is the most timely return.

Zhang Lan thought for a while, and before Tang Jiajia could speak, she continued: "You have to think about this clearly, these on the paper now seem to be a lot of money, and the number of pens is also a lot. But you have already chosen to force the disembarkation, and there is nothing to worry about in the short term, except for the phone call. But if you owe it to a private person, it's different. ”

said it a little bit more modestly, but if she didn't say that, Zhang Lan felt that if Tang Jiajia really owed money to a private person, she should be able to understand what he meant.

Looking at the foreign debt of nearly 400,000 yuan added to these two pieces of paper, Zhang Lan was also speechless. When I saw her in Kyoto before, Zhang Lan thought it was quite good, and she looked quite fashionable and cheerful.

Now that I think about it, Tang Jiajia will not be able to pass the graduate school entrance examination, and if she has a teacher certificate, she will not go to school but will come out to work, which means that she is about to collapse.

After listening to Zhang Lan's words, Tang Jiajia shook her head and said, "I didn't owe money to my classmates, I borrowed it before, but I paid it back later." ”

Tang Jiajia's sentence was returned, which made Zhang Lan sigh in her heart. After thinking about it, he said: "That's it, you don't care about these online loans, now I mainly talk about more than 200,000 credit cards." ”

Zhang Lan took the paper with the credit card debt written on it, and originally planned to tell Tang Jiajia to repay that first and then that.

But after thinking about it, all of this is directly overdue, and the most important thing to do in a short period of time is not to pay it back all and hold the money in your hands.

Then if you have enough money in a bank, you will start calling the bank, and whoever has the least interest or no interest will be repaid.

So after clearing the arrears, what Tang Jiajia needs now is not to give her advice on which bank to repay the money, but to have another job that can pay her salary stably and she can go to work with peace of mind.

Putting the paper aside, Zhang Lan opened his mouth and said, "You just came back after entering Layue, did you quit your job in Kyoto?" ”

Tang Jiajia said in a low voice: "After the deadline, the collection called the company, and there was no way for me to resign and come back." ”

"And then came back, did you make any income this month?" Zhang Lan asked.

Tang Jiajia shook her head, Zhang Lan sighed, and put the two pieces of paper that she tore off in front of Tang Jiajia: "You take it yourself, use your mobile phone to make a memo, don't talk about it, have you found a good place to go to work in the next year?" ”

Tang Jiajia was silent, Zhang Lan tapped her fingers on the armrest of the sofa, seeing that Tang Jiajia didn't say a word, she shook her head and sighed: "If you can't find a job, you can follow me to Kyoto in the next year, and go to my front desk." I have a place to live on the second floor of the clinic, and I worked hard for two years to pay off my credit card debt first. ”

Tang Jiajia nodded, and Zhang Lan then said, "When I go back, explain it to your mother." Forget it, I'll go back with you, you can't talk about this on the street, this age is not too young, and it is time to get married soon. ”

After that, Zhang Lan got up from the sofa and said, "You think I didn't win this arrangement, if I win, let's go home now, if you don't win, you can tell me your plans." ”

After a pause, Tang Jiajia didn't say anything, Zhang Lan shook her head and said, "Okay, let's go back first, if you have anything to say, I'll talk about it when I get to your house." ”

Qin Yongjun didn't drive when he went out, and sat in Shen Huayu's car. Zhang Lan took the car keys, asked Tang Jiajia to ride the electric car to the yard, and waited at the gate of the courtyard to get on the car.

On the side of the road, after Tang Jiajia got into the car, Zhang Lan started the car and asked casually as she walked, "Is your dad at home today?" ”

"At home, I went to water the field in the morning." Tang Jiajia replied.

Zhang Lan took out her mobile phone, found Wang Lan's phone and called: "Sister, are you at home now?" ”

"Where's at home, what's wrong Zhang Lan?"

"My brother-in-law is also at home now, right? I'll drive over with Jiajia later, and I'll tell you something. Zhang Lan said.

"Guoxing is also at home, I just had dinner, I will lie in bed and rest for a while, and I will go to the field to water the ground later, will you come over now?" Wang Lan asked.

"Yes, I'll already drive out of the village to the main road immediately, and I'll be at your house in ten minutes, let's talk about it when I get there."

"I'll get up now and open the street door." Wang Lan hurriedly said.

After hanging up the phone, Zhang Lan and Tang Jiajia on the side said: "Don't be too nervous, it's not a big deal, and when you have something to say, go through the circle in your head." The matter has come out, what we want is to learn a lesson and not do it again, your parents will say two words, they are all a family. ”

Zhang Lan beat the side drum for Tang Jiajia in advance, the arrears of 400,000 yuan, I don't know how Wang Lan and his wife will react when they find out, so it is only serious to let Tang Jiajia prepare first. (End of chapter)