Chapter 87: All Debts Cleared

"What kind of card is that? I’ve never seen one before."

"A legendary black card, I think. That’s impressive..."

They were all amazed. After swiping the card, they stayed to help with the overtime work, preparing all the necessary mediation documents at once so they wouldn’t have to make multiple trips.

"Ms. Yana, we’ll schedule the court date as soon as possible. Just have the banks prepare the relevant documents after they get the money."

"Even if he’s fled, we can still issue a default judgment."

"Thank you. I appreciate your help."

It had been over an hour by the time they left the courthouse. Ryan thought for a moment and took her hand. Yana shivered and instinctively tried to pull away.

In their private moments, no matter how far Ryan went, she would go along with it and be gentle and accommodating.

But at the end of the day, she was a married teacher. Having an affair with her student was improper and should be kept secret, not out in the open.

Even if she got divorced and became single again, they still couldn’t be together openly. If word got out, not only would her reputation be ruined—she might even lose her teaching license.

"Don’t worry, Ms. Yana. We’re not at school. Let’s take a walk."

Ryan firmly held her hand with their fingers interlocked. Yana softened and blushed, saying softly, "Alright. When I get back, I’ll write you an IOU for the money."

"Although... I don’t know when I’ll be able to pay it back."

She was being honest. Ryan chuckled and said lewdly, "I don’t want money. You can pay me back with your body—that’s what I really like."

"Same old pervert."

Yana gave him a flirtatious glare.

Looking again, Yana’s affection level had shot up to 90. Sure enough, dirty money could do anything.

"I’ve also prepared a surprise for you!"

Ryan licked his lips, chuckled, and led her to a place she was familiar with.

The barbecue restaurant that Ryan visited when he followed her last time was also owned by that fat guy from Funto Company; he basically went there every night.

What are you doing here?

Seeing the familiar face, Yana looked a little embarrassed.

Fatty Funto greeted them warmly, saying, "Mr. Ryan, Ms. Yana, please come in. The private room has been cleaned up, and the meat skewers we’ve reserved for you are the freshest ones."

Yana was puzzled, but out of trust in Ryan, she still frowned and walked into this place she didn’t like.

As soon as the two sat down, the fatty, all smiles, brought over several bags and said, "Ms. Yana, all the loan sharks your husband borrowed are here."

"This is..."

Yana was a little surprised. Her parents said that no one had gone to collect the debt in the past two days.

The fatty said with a fawning expression, "This is what Mr Ryan instructed. He told me to find those money lenders and buy all of these."

Yana could hardly contain her excitement. With trembling hands, she opened one file after another, which contained contracts for high-interest loans her husband had taken out.

"Well done!"

Ryan smiled casually and said, "How much did it cost in total? Go get the machine and swipe it."

The fat man magically produced a POS machine, then pointed seriously at the list and said, "Mr Ryan, these are all discounted, totaling two million three hundred and sixty thousand."

Yana stared at his list, stunned: "So much is missing??"

She had just finished reading the contracts, and according to the amounts in these contracts, even without considering interest, the principal alone was nearly ten million.

Fatty chuckled and said, "These contracts are already inflated, and they collect upfront fees first, then add in illegal interest for the loan term, which makes them so high."

"However, they are overjoyed that someone is willing to buy the debt."

In fact, lending money is riskier than banking. At least banks can seize your fixed assets, just like the house that Yana and her husband lived in before was seized.

As for usury, in today’s increasingly law-abiding environment, no one would do it unless they were desperate.

The risks are just too great. Like this time, when Yana’s husband ran away, these people were frantically searching everywhere like headless flies.

Then we’ll have no choice but to harass Yana and her family. However, if we get caught, we’ll be in jail. The current benefits and risks are completely disproportionate.

Generally speaking, if the gambler runs away with the money, even if you find them, they won’t have the money to pay you back; it’s practically a bad debt.

I know almost everyone in this circle, since there are only a handful of people who haven’t switched careers, and those with real talent have already given up.

The fat man approached these people, saying he was willing to buy these debts, and they saw him as a god of wealth.

He’s an old hand; those contracts can’t fool him. So he calculated that the principal was about the same, and that not only would you not get a penny of interest, but you’d also get a discount on the principal before he was willing to buy.

People are happy even if they lose money, because at least they’ve recovered some of their losses; otherwise, losing everything would be the worst outcome.

In their eyes, the fat man was practically a sucker, and they were all wondering if he’d lost his mind, since there was no way he could get his money back.

This kind of gray market business is similar to construction; it can be profitable, but the hardest part is getting the money back. If you can’t get the money back, you can easily lose all your initial investment. ℴ

"Tell me, how much is it in total, including your kickback!"

Ryan took out his card.

The fat man quickly shook his head and chuckled obsequiously, saying, "It’s my honor to work for Mr Ryan. Forget about money, just give me the principal."

Ryan didn’t waste any time with him, immediately swiping three million through his mobile phone and saying softly, "You did a great job. Consider the rest of the money as a treat for the brothers to have some tea."

"Thank you, Mr. Ryan! Thank you, Mr. Ryan!!!"

His men immediately brought over an iron bucket for burning paper money, and Yana excitedly burned all the contracts and IOUs.

Let’s go!!!

Ryan took her hand and left without having any more dinner with the fat man.

When they returned to school, Ryan took the initiative to let go of her hand, secretly pleased to see that her favorability rating had reached 92.

"By the way, how are your parents doing now?"

Ryan asked solicitously.

Yana said gently, "They are used to living in the old house, and it’s not bad to be near the old park. My daughter usually lives at school and only goes back on weekends."

"Let’s go look at apartments when we have some free time these next few days!"

Ryan said considerately, "It’s true that grandparents love their grandchildren more, but they can’t live in a cramped and miserable place."