Reborn in 97, I solved a cold case at the Municipal Bureau

Chapter 530 Guarantor

"Hey, who the hell are you?" a domineering voice asked from the other end of the phone.

Zhou Yi, his face ashen, retorted, "And who are you?"

Just now, when Zhou Yi noticed that Lu Xiaoshuang's expression was a bit off, he immediately took the phone from her hand.

I had just said "hello" when the person on the other end started speaking arrogantly.

Judging from the tone of his voice, the visitor was up to no good.

Has something happened to Mo Youyou's family?
"I'm here to collect my debt! Who are you to Mo Hanrong? A relative or a friend? Do you have money? Hurry up and pay back the money for him, or don't blame me for being impolite."

The man was cursing and swearing, and in the background, there seemed to be the sound of a woman crying.

Zhou Yi immediately understood the situation. Mo Hanrong must be the name of Mo Youyou's father. This arrogant guy was a violent debt collector.

Zhou Yi was unaware of Mo Youyou's family situation and dared not draw any conclusions.

So he said in a calm tone, "Dude, let's talk this out. You're just trying to collect a debt, so you need to let me know what's going on. Otherwise, how can I decide whether to help you or not?"

Upon hearing that there was hope of getting money, the other party's tone softened, but their words still retained a scoundrel-like quality.

"Dude, you're pretty straightforward. Judging from your tone, you're one of those guys in the underworld, right? Well, let's be frank, this guy surnamed Mo owes us 60,000 yuan. We'll call it even when he pays it back. Otherwise..." the other man sneered.

Zhou Yi immediately reminded him, "Dude, don't be impulsive. It's not a lot of money; it's not worth hurting them."

The mountains are high and the roads are long, so we must not provoke them at this time. The safety of Mo Youyou and the others must be the top priority.

The person on the other end of the phone chuckled slyly, "Don't worry, hitting someone is illegal, I know that! But buddy, I won't leave until I get my money, okay? Paying back debts is a matter of course."

Zhou Yi breathed a sigh of relief. The good news was that at least Mo Youyou and the others wouldn't be in any danger.

The bad news is that the debt collector seems to be a veteran. If he actually resorts to violence, it might not be such a bad thing. Zhou Yi can immediately call the police and have the local police station detain him according to the law.

They refused to leave, and when the police arrived, all they could do was offer advice and warnings.

But these kinds of people are like a leech; they'll come back to harass you again immediately, causing endless trouble.

There was another thing that Zhou Yi found strange: Mo Youyou's parents were ordinary workers, so how could they owe so much as 60,000 yuan?

But he didn't dare to jump to conclusions, so he smiled and said, "Dude, how about this, you have them explain the situation to me, okay? If they really do owe you money, then they still have to pay it back. You agree?"

"Fine, I'll give you face then." As the other party spoke, Zhou Yi heard him shout, "Hey Mo, come here and talk to your friend!"

"By the way, put it on speakerphone, don't fucking try to fool us!"

Immediately afterwards, Zhou Yi heard a man on the other end of the phone ask hesitantly, "Me...me?"

"Nonsense, if it's not you, then who else would it be but your father?"

But Zhou Yi immediately shouted, "It's not him, I'm looking for his daughter."

"Huh?" The man opposite him paused for a moment, then suddenly let out a lewd laugh. "Oh, I see, so that's what happened. Come on, tell your good brother to help you pay back the money, that way everyone will be happy."

Then, with a sob in her voice, Mo Youyou asked, trembling, "Hey... who are you?"

"Youyou, I'm Zhou Yi, Brother Zhou." Zhou Yi said the last three words on purpose, just to remind Mo Youyou not to call him Officer Zhou casually.

To avoid any extreme actions from the other side.

Mo Youyou was quick-witted enough to understand immediately and called out "Brother Zhou".

Then Zhou Yi asked her what exactly happened and how her family could owe so much money.

Mo Youyou cried and said that the money was not borrowed by them at all, but by a friend of her father's, who had asked her father to act as guarantor.

As a result, this friend ran away, so the creditors pressured his father to repay the money.

Neither she nor her mother knew about this; they only found out in the last few days when debt collectors came to their door.

Furthermore, the friend who ran away didn't borrow 60,000, but 20,000. However, I don't know how they calculated it, but they said they wanted to repay 60,000 including the principal and interest.

Upon hearing this, Zhou Yi understood that the other party was definitely a loan shark.

Actually, he had already guessed this possibility from the rogue behavior of the other party's professional debt collectors, after all, 60,000 is not a small amount.

But to his surprise, the pot was actually brought in as a guarantor for someone else.

That's most likely because Mo Youyou's father is weak-willed and got tricked by someone.

After all, some friends are just there to take advantage of honest people like this.

"Brother Zhou, can you help us? I really don't know what to do otherwise," Mo Youyou said, crying. The help she was referring to wasn't paying off her debts, but something else entirely.

At this moment, the debt collector mimicked Mo Youyou's words in a sarcastic tone: "Brother Zhou, could you help her pay back the money? Otherwise, I'll have no choice but to kidnap her and sell her into prostitution to pay off the debt. I think this girl is quite pretty."

Such things have been common both in the past and later.

After all, loan sharks have always existed; these days, it's mostly local bullies who do it. Later, it evolved into online lending, which led to the infamous "naked loan."

Although the law explicitly prohibits usury, when people's consumption desires are not proportional to their ability to create wealth, some people will naturally take the risk of accepting usurious loans.

Where there is demand, there will naturally be supply; this is an ironclad law governing human society, unavoidable under any system.

Zhou Yi wanted to hear Mo Youyou's explanation in person because he wanted to find out exactly what had happened.

If Mo Youyou's family members have brought this upon themselves by taking out high-interest loans and can't repay them, then I won't get involved. At most, out of respect for Lu Xiaoshuang, I'll go to Wuguang and make a call to the local police station.

However, given the current situation, it is still necessary to take action.

Hopefully, her father will learn from this experience and not act as a guarantor for others so easily.

Zhou Yi said, "Dude, don't make things difficult for them. I'll take care of the money for them. But I'm not in Wu Guang right now. How about this, three days from now, at 7 pm, let's meet at Mo Hanrong's house and resolve the issue, okay?"

"Alright, I'll give you face today. In three days, you'll receive 60,000 yuan, and we'll be even. If you don't get the money by then, don't blame us for being impolite!"

Zhou Yi smiled, but his eyes were filled with murderous intent: "Don't worry, I guarantee you'll be satisfied."

"Let's go!" came the voice on the other end of the phone, followed by a series of hurried footsteps and the sound of a door slamming shut.

It seems there are quite a few people coming to collect debts.

"Mo Youyou, have they left?" Zhou Yi asked.

"Let's go, Dad, quickly close the door. Officer Zhou, I..."

"Don't get agitated or scared. Their goal is just money, and they shouldn't bother you for at least the next three days. But you still need to be careful. If they come again, don't hesitate, call the police immediately."

"Then... can the police arrest them?"

“Unfortunately, if they don’t cause you any real harm, the police can’t arrest them,” Zhou Yi replied. “However, once the police arrive, they will try to persuade them to leave. If they don’t listen, the police can force them to leave.”

"Okay, okay." Mo Youyou nodded repeatedly on the other end of the phone.

"If nothing unexpected happens, I should come over tomorrow or the day after to find out what's going on."

"Thank you, Officer Zhou. We live at No. 7, Room 301, Lane 803, Fengxiu Road, Fenghu District."

“Okay, I got it. Xiaoshuang is next to me, I’ll let her chat with you for a bit.” He said, handing the phone to Lu Xiaoshuang.

Lu Xiaoshuang could no longer contain herself, and she had also roughly understood some of the situation from Zhou Yi's words.

"Hey, Youyou, it's me."

As soon as Lu Xiaoshuang answered the phone, Zhou Yi walked towards Wu Yongcheng and the others.

"What's wrong?" Wu Yongcheng asked. They were all criminal police officers, so they were naturally very sensitive to the situation.

Zhou Yi briefly explained the situation.

After listening, Qiao Jiali said, "If it's usury, such an outrageous interest rate is not protected by law, so repaying 60,000 is definitely illegal. The problem lies in how the contract was written when this person guaranteed the loan for their friend. You can first check the contract to see if there are any clauses that are not protected by law, and try to apply for exemption from liability."

"But if the guarantor cannot escape responsibility, then the principal of 20,000 yuan, as well as the corresponding legal interest, will probably have to be borne by the guarantor. Otherwise, if the borrower files a lawsuit in court according to the contract, the case will eventually be subject to enforcement."

"In the end, the guarantor will repay the money first, and then sue his friend for compensation. As for the collection process, if there is any violent collection, Wu Guang's colleagues can handle it according to the law."

Wu Yongcheng nodded: "Yes, Xiao Qiao is right. First, we'll waive the liability. If that's not possible, we'll limit the interest to repayment, and then pursue the borrower for repayment. As for violent debt collection, that's a completely different matter from debt disputes; one is a criminal case, and the other is a civil case. Zhou Yi, you need to make that clear to this family to prevent them from having any illusions. Even if we deal with the violent debt collection, their debt liability still exists."

"Yes, I understand." This is reality. Although it sounds innocent, Mo Hanrong signed the document, so he naturally has to bear the corresponding legal responsibility.

Therefore, adults need to be more careful in everything they do in society. It's okay to eat whatever you want, or even say whatever you want, but you must never sign anything carelessly.

In civil loan disputes like these, ordinary people simply cannot handle the consequences, and there are countless cases where they end up paying a heavy price.

At this moment, Jiang Biao took a breath and said, "Zhou Yi, this sounds so familiar. I remember your cousin, Zhou Kai, didn't he also owe someone a high-interest loan back then?"

Zhou Yi nodded, because indeed, he was also thinking about what had happened to his second uncle's family back then.

"Yes, it's somewhat similar, but there are still differences. My brother Zhou Kai was set up by the other party. They used gambling as a pretext to make him incur huge debts, but there was no actual loan transaction. So that time it was not just a simple loan sharking case, but also involved fraud and other activities."

“But this time, since there is a guarantor, it means that an actual loan transaction has occurred.” Zhou Yi sighed. “So it’s a bit difficult to handle.”

If it's like Zhou Kai's case, and it's purely a criminal offense, then it's easier to handle, since it's related to his profession.

But civil liability would be troublesome. However, this can be considered a lesson for Mo Youyou's father. A middle-aged man who doesn't even have this much vigilance will suffer even greater losses sooner or later.

At this moment, Jiang Biao suddenly looked at Shi Tao and asked, "Team Leader Shi, how's your smuggling case going? It's been several months already."

Shi Tao hadn't spoken at first, but when Jiang Biao pointed at him, he said somewhat awkwardly, "We're still investigating, we're still investigating."

But Jiang Biao wasn't going to let him off the hook, and continued to tease him: "Team Leader Shi, your Second Team isn't very efficient. You have more people than our Third Team, how come you haven't solved a smuggling case after so long? Look at us, we've solved so many cases."

Shi Tao pointed at Zhou Yi defiantly and said, "You guys have Zhou Yi, Lao Wu. If you lend me Zhou Yi, see if we can solve this smuggling case."

Zhou Yi was both amused and exasperated. What was going on? Were they using me like a Dragon Ball?

“Team Leader Shi, I’ve just provided you with a lead,” Zhou Yi said.

Shi Tao immediately perked up and pointed at Zhou Yi, saying to everyone, "Look, a master is about to make a move."

Everyone smiled, but they were more interested in hearing what clues Zhou Yi could provide, because they didn't know either.

Especially Wu Yongcheng, who was unaware that Zhou Yi was still involved in the smuggling case.

Zhou Yi said, "This mysterious Mr. Du, whose background we have never been able to find out, is said to be named Du Jun, the Jun of steed, but I can't be sure if that's his real name. I've also heard that this Mr. Du is supposed to be supplying high-end smuggled cigarettes and alcohol to the Golden Phoenix Nightclub."

Everyone was startled when they heard the words "Golden Phoenix Nightclub".

Zhou Yi patted Shi Tao on the shoulder and said, "Team Leader Shi, I've given you the clue. Whether you want to follow it or not depends on your determination, Team Leader Shi."

Upon hearing about the Golden Phoenix Nightclub, Shi Tao immediately became suspicious: "Zhou Yi, is this lead reliable? Where did you get it?"

"Of course it's reliable, but I can't say where it came from—it's from my informant."

Wu Yongcheng looked at Zhou Yi without saying a word.

He knew what Zhou Yi was thinking; a single name, whether true or false, was like finding a needle in a haystack.

But the Golden Phoenix Nightclub connection is real. If Golden Phoenix is ​​indeed a major client of President Du, then of course they know President Du's identity.

So Zhou Yi deliberately sent Shi Tao into this mess.

Jin Fenghuang certainly wouldn't cooperate, so it would be up to Shi Tao to decide.

Although this kid was a bit cunning, it was also a reminder to himself that he would have to shoot down this golden phoenix sooner or later.

Just based on the fire at Jianghai Mansion, Jiang Zhengdao's methods are chilling.

Although Shi Tao wasn't always quick-witted and could be a bit simple-minded, he was still a leader, and he immediately passed on the hot potato Zhou Yi had thrown at him.

He looked at Wu Yongcheng and said, "Captain Wu, respected leader, what do you think about investigating this lead or not?"

At this moment, Lu Xiaoshuang walked over and said, "Brother Yi, here's your phone back."

Her words completely disrupted the flow of the conversation.

Wu Yongcheng clapped his hands and said, "It's getting late. Why don't you go back to the bureau first, and then have Biaozi take you home to visit your family and pack your things? Then you can report to Wuguang tomorrow."

Zhou Yi nodded in agreement, then gave Lu Xiaoshuang a few more instructions, telling her to be careful in the meantime, as he probably wouldn't be returning to Hongcheng for the weekend for a while.

Mo Youyou's family matter is easy to handle, but the real problem is Ding Chunmei's matter.

And soon, the headless case of August 11th is about to happen.

He had a feeling that this was just a brief respite before the storm.

"If anything seems amiss, go find Sister Qiao and Brother Biao," Zhou Yi said.

Lu Xiaoshuang nodded: "Don't worry, I'll take good care of myself."

"Okay, I'm leaving now. You get some rest." With that, Zhou Yi went inside and said goodbye to his grandmother.

Lu Xiaoshuang saw them off at the entrance of the courtyard. Just before they got into the car, she said to Zhou Yi, "Brother Yi, please tell your uncles, aunts, and grandpa that I will visit them when I have time."

"Okay, then I'm leaving."

"Brother Yi."

Just as Zhou Yi was about to get into the car, he heard Lu Xiaoshuang call out.

"what happened?"

"Be extra careful on your trip to Wuguang, and stay safe." Lu Xiaoshuang brushed aside her drooping hair and said with a worried look, "I'll be waiting for your safe return in Hongcheng."

Zhou Yi nodded vigorously and then got into the car.

Lu Xiaoshuang stood at the entrance of the courtyard, watching the Santana from the Third Brigade drive away, but she still felt uneasy.

It was only then that she began to understand the meaning behind Wu Yongcheng's words to her in Wu Guang's hospital room.

She didn't turn back until the car was out of sight.

When we passed by my second and third uncles' houses, the doors to both rooms were open.

The chubby second aunt and the shoehorn-faced third aunt came out of the house.

"Oh, Xiaoshuang's back!" Second Aunt called out with a forced smile.

"Second Aunt, Third Aunt, are you home?" Because she had been there for so long and both doors had been closed, she thought no one was home.

"Oh, you're home, you're home. How was your trip back to your hometown? Are your parents doing well?" Auntie asked with a smile.

"pretty good."

Auntie San peered into the old lady's room a few times and said, "Didn't they bring us any local specialties or anything?"

Lu Xiaoshuang said with some helplessness, "We're poor where we're from, we don't have anything valuable."

At this moment, my second aunt said sarcastically, "Now that they've climbed up the social ladder, they wouldn't even look at poor relatives like us."

"Oh dear, Second Sister-in-law, I had almost forgotten. Girls change a lot as they grow up, and if they become beautiful, they are naturally more likely to be noticed by rich and powerful people."

Lu Xiaoshuang originally didn't want to pay attention to the two of them because she knew what kind of people they were, but the two gossipy women's sarcastic remarks made her feel a surge of anger.

All the cold words and grievances she and her grandmother had suffered in the Lu family over the years welled up in her heart.

She straightened her back and sneered, "Second Aunt and Third Aunt, you have sharp eyes! You've seen that I've climbed the social ladder. I bet you saw me sneaking around inside the house, hiding behind the curtains."

“That’s right, my boyfriend is a promising young talent in the Public Security Bureau with a bright future, and my parents like him very much.”

"His colleagues and superiors are all good people, and they treat me much better than some people who claim to be relatives."

"You may be arrogant and look down on me, your poor relative. But I'm sorry to say, I not only found a very outstanding partner, but I am also a student at a top university. After graduation, I will have a good job and a bright future."

"I won't have to live like some people, with my whole family crammed into a small house, scheming against each other all day long over a few measly things. And my children won't have to learn to bite each other like dogs just to fight over a piece of meat!"

Lu Xiaoshuang was talking about her two younger brothers. Once when they were little, during a festival, the whole family ate together. They ended up fighting over a piece of braised pork. The two boys even acted like dogs, biting each other.

The adults, of course, weren't idle either, and they cursed at each other all night long.

"you……"

"you……"

Lu Xiaoshuang's rapid-fire words made the two shrewish women tremble with anger.

At that moment, the doors of both houses opened, and Lu Xiaoshuang's two cousins ​​rushed out aggressively, one holding a broom and the other a rolling pin.

Lu Xiaoshuang glared at him and snapped, "What? You want to hit me? Go ahead and try, the police aren't far away!"

These families raise cowards who are all show and no substance. They're just bluffing; the moment they hear "police," they cower.

Lu Xiaoshuang turned around and went into her grandmother's room, slamming the door shut.

A few people were left outside, cursing and swearing incessantly.

"Pah! What a disgrace! What a piece of trash!"

"God is blind! Why wasn't it this little bitch who got chopped up!"

Lu Xiaoshuang leaned against the door, feeling a sense of triumph, but mostly filled with the bitterness and grievances of so many years.

Grandma came over, touched her face, and said softly, "Xiaoshuang, don't cry, Grandma is here, don't cry."

Lu Xiaoshuang hugged her grandmother tightly, gritting her teeth and holding back her tears, and said, "Grandma, you must live a long and healthy life. I will take care of you and make sure you have a good life."

As she spoke, tears still streamed down her face like pearls from a broken string.

When Lu Xiaoshuang was thirteen years old, she had just arrived in Hongcheng. Perhaps due to the change in environment, she developed a high fever that lasted for several days.

She vaguely remembered that at that time, her grandmother held her all night, gently patting her back and saying, "Xiaoshuang, don't be afraid, Xiaoshuang, don't cry. Grandma is here, Grandma is with you."

That year, that time, just like this moment.

(End of this chapter)