Soon arrived at Wang Lan's house, and the two of them were at home. After a brief politeness, Zhang Lan and Wang Lan talked about Tang Jiajia.

At the beginning, when they heard that Tang Jiajia owed money outside, Tang Guoxing and Wang Lan's faces did not change.

Tang Guoxing took out his mobile phone and let Zhang Lan take a look, Tang Guoxing's mobile phone text messages were already full of many messages, which clearly marked Tang Jiajia's name and the information of the arrears.

Zhang Lan probably had to read a few articles, some said that they owed money, and some said that the law firm wanted to come to the door to recover. Zhang Lan handed over the mobile phone to Tang Jiajia: "Take a look, there are some things that can't be hidden." ”

Wang Lan sighed and said: "When I first received the text message, Jiajia's father called someone, but the other side only said that Jiajia borrowed money to repay the money as soon as possible, and didn't say anything else." I wanted to call Jiajia at that time, but I stopped her and said wait and talk, and then she went home two days later. ”

Zhang Lan shook her head and said: "Let's put it this way, in fact, Jiajia's choice now is right, we are farmers, and we are different from those who open factories." If you owe money, you will have to pay it back sooner or later, but if you owe too much, the interest alone will be tens of thousands of dollars a year. Only like now, if you don't pay it back all at once, you will be overdue, and you won't be able to borrow it again. The rest of the peace of mind is to earn money to repay debts, this penalty interest or something doesn't care about it, economic disputes, in addition to the bank's, the rest of the delay is to repay the principal for a long time. ”

Originally, Zhang Lan planned to take out the two pieces of paper for Wang Lan and his wife to understand the situation, but after thinking about it, forget it. It's just to add to the troubles, just know that you owe a lot of money.

Although the paper was not taken out, in fact, the approximate figures of credit cards and bank loans Zhang Lan still mentioned it, and told Wang Lan that it would take at least five or six years to pay off the money, so that Wang Lan and his wife could be psychologically prepared.

After hearing that he owed a lot of money, Tang Guoxing said that he still had some money at home, and if it didn't work, the family's money would be advanced first. If nothing else, at least it will be early and you don't have to pay so much interest.

was rejected by Zhang Lan, and explained to Tang Guoxing that the money in his hand was just saved, and now Tang Jiajia is just about to go ashore, you take out your family's savings at once, and then borrow what you borrowed from the west to pay her back, in fact, you haven't learned a lesson.

Wait until Tang Jiajia earns two years of money with peace of mind, and when the time comes to change money, if any bank needs to pay it off at once, it is not too late to help her pay it back at that time.

As for the online loan, Zhang Lan absolutely disagreed with Wang Lan and his wife to pay off Tang Jiajia.

How to say it, this kind of thing is addictive to consume in advance, and now Tang Jiajia has just received a little lesson, and then her family pays her to pay off the arrears.

Maybe in a short period of time, Tang Jiajia can be a little conscious and know that he shouldn't owe money anymore. But in fact, it won't be long before she continues to borrow.

Once she gets used to this kind of thing, unless it is really overdue and she can't borrow it, as long as there is a little possibility, she will find a way to borrow money.

So the best way is to let Tang Jiajia work hard to earn money for a few years and pay off the credit card money. And then the online loan is dragged on, and it doesn't affect anything anyway, at most, it's just that all kinds of freezes can't be consumed.

Tang Jiajia is not a public official, but if she freezes it, it is nothing more than changing her salary card and using other people's information to register WeChat for work, and her daily life will not affect anything.

After that, Zhang Lan talked about the arrangement for Tang Jiajia, and now that the collection information is so serious, it may be a little difficult to enter the company normally. The online loan is fine, and the information may not be found. But the bank will definitely be able to find out where you can join the company, and when the time comes, the information may continue to call Tang Jiajia's new place of work.

At that time, the result was that the company would not be able to do it for long, and Tang Jiajia would have to leave.

After Tang Jiajia followed Zhang Lan to the clinic in Kyoto, not to mention anything else, a big expense for renting a house was saved, and it was easy to say that the salary was not paid to Tang Jiajia's name on weekdays.

Even if the debt collector knows about it, he calls Zhang Lan's clinic, it is all his own family, and there will be no problem. After stabilizing in this way, at least you can save money.

Wang Lan didn't care about this, after hearing Zhang Lan say that Tang Jiajia would follow him to the clinic in Kyoto as the front desk, Wang Lan was already busy nodding and agreeing.

He said with a smile in his mouth: "Zhang Lan, then you don't have to say anything else, as long as you are willing, you can rest assured that Jiajia is here." Don't say a year or two, if you can do it for a few years, it's best to follow you to learn to see a doctor and treat diseases, it doesn't matter if you owe money, it's good to be able to learn a skill. ”

Tang Guoxing also said on the side: "Zhang Lan, don't worry, the money can take care of her own eating and drinking." You also said just now that you owe the money, delay it for a while, and only repay the principal when the time comes. If you can't afford to pay it back in the past two years, then the family can always pay it back in three or four years. Having a craft that can be used is better than anything else. ”

Zhang Lan hurriedly waved his hand and said, "You can't say that, it's what it should be." As for those who study medicine or not, it depends on Jiajia's own preferences at that time. In fact, now Jiajia has a teacher certificate, if she doesn't owe money, she will go to school for two years, and then it will be stable when she becomes a regular. ”

Wang Lan shook her head, sighed and said: "The teacher's certificate is not good now, a good school can't enter, and all graduate and doctoral students in any position have to sign up." After entering the general school, she can't even take care of herself, and she has no future, so she wants to be stable and get married in two years. But she still needs to find an acquaintance, but now she doesn't need to find someone in this situation. ”

Zhang Lan said with a smile: "It's okay, as long as you can learn a lesson, you can save money for two years with peace of mind." We owe money and not life, so we don't have to have such a big burden. ”

Tang Guoxing nodded, and said helplessly: "That's what I said, but in our rural area, how much does it cost to build a house, and there is almost no one suite at once." ”

It's not that it's almost a suite, it's that there's no one anymore. Now Zhang Lan's hometown is here, his own homestead, a two-story single-courtyard house, starting from laying the foundation, to the final rough decoration and moving in, it is only more than 300,000 yuan.

But things have happened, and there is no point in dwelling on this anymore, I hope Tang Jiajia can remember this lesson.

Zhang Lan sat at Tang Jiajia's house for two hours, and explained Tang Jiajia's affairs to Wang Lan and his family clearly. I told them about when I would leave after the New Year, and it would be best for Tang Jiajia to follow Zhang Lan at that time.

In the end, Zhang Lan deliberately said that it was best not to tell the people on the street about this, although it is not uncommon to owe money now, and there must be a few famous people in any village who owe money to others, but if it is not really impossible to hide it, don't go out and say it if you can not go out to talk about it at home.

(End of chapter)