"I" is a Way of Thinking Based on Independent Personality

"You can have your people go to the bank to try for a loan, see what their process is, then copy their loan documents and add some extra content."

He glanced at Mr. Fox beside him, "For example, stipulate that after a certain period, even if the collateral is forfeited, the full amount of the debt and interest must still be repaid. This way, you can ostensibly lower the interest rate."

This approach is a variation of the bank's consistent tactics. If the loan cannot be repaid in time, they will send the collateral to an auction.

The proceeds from the auction are always used to repay the borrower's unreturned debt. It seems like a reasonable process, but it's not.

Because from the beginning, the bank's valuation of the collateral is very low, and the interest is quite high. Most people who need loans do not have the ability to repay in the short term.

It's a simple truth. If these people could raise the money in a month or two, they wouldn't need to borrow from the bank.

Since they can't raise the money, they naturally can't repay the bank loan, and the bank can legitimately eat up these collaterals.

If the borrower can repay the money in the short term, the bank has not made a loss. They get a sum of interest in the short term.

This money may not be noticeable in a single process, only a few percent to ten percent of a hundred yuan, but when all the bank's business is piled together, it is not a hundred yuan, it may be ten million, one hundred million, or even more.

Lin Qi's suggestion is just to add a clause to continue to recover the principal and interest after the bank terminates the loan.

In fact, even in the bank, this is definitely not just the end. They have ways to eat the borrower so that not even the bones are left!

Banks may not have as much negative news in society as Mr. Fox's financial companies, but banks are not essentially great philanthropists or good people. You should know that all the boundaries in legal policies related to illegal funds are based on the bank's highest standards... They are not only athletes, but also referees! What Mr. Fox said before about some people not wanting to see their business legalized is related to banks and those congressmen related to large financial groups.

Banks and financial groups support them and their families, and possibly their private teams, maintaining their decent lives, so they naturally have to learn to advocate for the rights and interests of the masters who feed them.

Lin Qi's stuff is not complicated at all. If you can't beat them, join them.

It's just that now, in order to avoid risks, some word games have been added to the contract to make some things ambiguous, which can facilitate action.

Mr. Fox thought seriously for a moment, then hesitated, "I will try it. In any case, thank you very much for your advice!"

Lin Qi waved his hand and said with a smile, "Your matter is resolved, and I also have something I need you to help me with..."

After eating a meal at Mr. Fox's Farm, he left with some local specialties. Some horn ornaments, if you ignore the gold and some inconspicuous gems on them, are actually not worth much.

At the same time, Michael, whom they talked about, finally met his son, Little Michael, at Sabine City District Prison after a morning of applications.

Sometimes people think that criminal cases must go through several trials before a verdict is reached, but this is actually wrong. If the criminal voluntarily admits the crime, the process will be greatly shortened.

Although the court has not yet finally announced Little Michael's sentence, he has already begun serving his sentence in advance, which can be regarded as a kind of preferential treatment for him.

In the room used to receive the family members of prisoners, the father and son sat across a table. The prison guard nodded to Michael and left the position where he should have been stationed all the time.

This is the rule. Some people abide by it, and some people will break them. Those who break these rules are often the privileged class, or even the rule makers, and those who obey the rules are always those who have no ability to resist.

This is ridiculous, but it's not funny.

What's even more ridiculous is that those who can break the rules have been accusing those who cannot break the rules, saying that they are breaking the rules, and constantly adding rules that are beneficial to themselves to consolidate their position and the power in their hands.

"You must appeal during the trial in a few days, and never plead guilty!" Michael looked back at the closed door and continued, "I have hired a lawyer, and he will do his best to clear your name. Don't worry!"

Little Michael was very calm, without surprise, without anger, only calm. He felt that his soul had been sublimated.

The way he looked at Michael seemed to be different from the past. There was no more admiration, no more irritability, no more rebellion, and no more gritted teeth of obedience.

In the blink of an eye, he had grown up a lot. He shook his head, which surprised Michael, and then a burst of anger rose from the soles of Michael's feet.

He stood up abruptly, leaned forward and reached out to grab Little Michael's collar, wanting to let him know that now was not the time to joke, but his movements were too big, alarming the guards outside the door.

The prison guard coughed, reminding him not to go too far. Michael's movements stiffened, and he suppressed the anger in his heart, sitting back down.

He glared at Little Michael. "Why?"

Little Michael replied in a tone that Michael found extremely irritating, "One of us had to come in. You always said I couldn't bring you glory. Well, now I've protected you!"

He also grew somewhat impatient as he spoke. "I don't want to hear your explanations. Whether you did it or not, the problem has happened. I admit I made a mistake, so I'm making up for it, and..."

Little Michael seemed reluctant to continue. "Actually, me pleading guilty is better for you, for me, for Mom, for all of us. Don't dwell on these issues. Think about how to reduce my sentence. I heard from people here that I might get nine to twelve months."

After saying this, Little Michael stood up. He patted the table, and the prison guard walked in. He glanced at the father and son, then took Little Michael's arm and led him away.

Michael understood Little Michael's thinking, but he had to say it was stupid because this was framing! As long as they could resolve the person who framed him, the matter would end there. Neither he nor his son would have to bear any infamy because of it, but he couldn't explain it clearly to Little Michael now.

He just wanted to delay, to drag it out until the truth came out, but that bastard didn't think so, even thinking that he was doing this to protect Michael himself.

An unreasonable child, and utterly stupid!

Around seven in the evening, Lin Qi returned to the second floor of the Tavern after eating out. He hadn't had time to look at houses these past few days, so he was still living here temporarily.

It was right by the road, with people coming and going. Downstairs was the bustling Tavern, so if anything happened, it would be hard not to alarm the people around the house. This, on another level, also ensured his safety.

Standing at the door, just as he took out his key, he paused. There were obvious pry marks on the lock. He gently pushed the door, and it creaked open.

In the dark room, a spark flickered on and off. Each time it lit up, a vague face could be faintly seen.

The room was a mess, looking like it had been ransacked again. Lin Qi turned on the switch by the door, and a dim light illuminated the room. Michael leaned against the wall of the compartment, looking at him.

Lin Qi smiled. He walked into the room, looking at the mess of things scattered all over the floor, and sighed helplessly.

"You must not do housework at home, so you don't know how troublesome it is to clean these things up. It consumes energy and makes people irritable." He bent down and picked up a few books, placing them on the closet to the side. Just as he bent down again, Michael suddenly rushed in front of him, pushing him hard against the wall.

"You framed my son, Lin Qi..."

Michael's ferocity didn't faze Lin Qi at all. He looked at Michael, who was close at hand, as calm as he had been in the alley that day. "Apologize and get out, and this matter ends here. Otherwise, you bear all the consequences yourself, just like I warned you that day!"

Lin Qi didn't back down, meeting him head-on.

Bullying people is addictive, and the feeling of controlling others makes people want to try it again and again, like... Newspaper Boss. Although Lin Qi wasn't clear about what kind of hatred there was between Newspaper Boss and Michael, it was probably similar.

If one person had to be destroyed because of this, Lin Qi didn't think it would be him!