Reborn in America: I Have an Equipment Slot

Standing in front of the bathroom door, Irving hesitated for a moment.

Finally, he gently knocked on the glass door.

"Ayesha, don't misunderstand, we really want to help you." Owen sighed and said helplessly, "Could you come out first? If you have any difficulties, you can really tell me and Tina."

Irving knocked on the door again.

To be honest, most men would not be able to stand idly by when faced with a girl in distress who desperately needs help.

After all, what man can resist being a hero who saves a woman?

Hearing Irving's comforting words, Ayesha, who had been hiding in the bathroom crying, gradually calmed down.

Taking a deep breath and calming herself down, Ayesha stood up.

As if he had made up his mind, he walked out of the bathroom.

"Are you sure you want to help me?" Ayesha gently wiped away the tears from the corners of her eyes, her gaze fixed on Owen.

"OK." Owen paused for a moment, then quickly nodded.

"Then come inside with me first," Ayesha said, pulling Owen directly into the room.

Irving was caught off guard by the other party's sudden change in attitude.

However, although Irving was puzzled, he did not refuse.

Judging from Ayesha's state, she must have encountered some difficulties or troubles.

Otherwise, she wouldn't be this heartbroken.

After closing the door behind her, Ayesha went straight to the bedside table without saying a word.

He then pulled out a stack of various receipts from the cabinet, gritted his teeth, and handed them to Irving.

"What's this?" Owen took the receipt, glanced at it briefly, and then gasped.

Good guy!

This thick stack of receipts turned out to be all payment reminders.

In addition to various credit card bills, Irving noticed that most of the documents in his hand were loan collection notices.

Although the amounts in these collection notices are not large, there are a great many of them, and the overdue amounts are alarmingly high.

"No... how did you end up with so much debt?" Owen frowned and looked at Ayesha, asking.

Forced into this situation, Ayesha sighed deeply, rubbing her forehead as she sat on the edge of the bed and said helplessly, "I don't know why I owe so much money."

At first, I just applied for a few credit cards to use for daily expenses and to buy household items.

Later, he couldn't pay his credit card bills, and his wages were delayed again.

There was nothing I could do but take out a payday loan, but who knew that it would drag on like this...

Payday loans... No wonder Ayesha ended up in this situation.

Irving shook his head, somewhat helplessly.

Looking at the whole world, no country can compare with the financial system of the United States.

Consumer loans, which are popular all over the world, originated in the United States and were then popularized.

The "payday loan" that got Ayesha into trouble is one of the most problematic types of consumer loans.

Payday loans, as the name suggests, are loans that are repaid on payday.

These loans have terms ranging from 7 to 15 days. Although they seem short and the amount to be repaid is not much, they are actually a huge trap.

Based on annualized interest rates, most payday loans have an annualized interest rate of at least 54%! Some small companies even have annualized interest rates as high as 143%!

What does an annualized interest rate of 143% mean?

That means if you borrow $10000, you'll have to pay back $14300 after one year!

If it were just a single loan, that would be fine. The key issue is that payday loans can be taken out indefinitely as long as you have a job.

Irving glanced at the receipts in his hand and soon discovered that Ayesha had taken out at least a dozen payday loans, most of which were already overdue.

This means that Ayesha has now actually crossed the "kill line".

If any of these lending companies or banks sue, Ayesha will be declared bankrupt by the court and all her assets will be seized.

In the blink of an eye, she will become a homeless person.

"So what are you going to do with all this loan?" Owen asked Ayesha.

"I don't know." Ayesha slowly shook her head, somewhat distraught.

"I've been working really hard, even part-time jobs, but I still can't pay off these loans."

"Irving, you just said you could help me, is that true?"

Sensing Ayesha's pleading gaze, Irving feigned reluctance.

He glanced at the receipt; in reality, Ayesha's credit card bills weren't that high, only about $1300 a month.

The main problem is getting a loan on payday.

Irving did a quick calculation and realized that the total amount to be repaid from the dozen or so loans was at least five or six thousand dollars, which was no small sum.

Although I currently have a fair amount of money, about 20,000 US dollars.

With the $3000 James still owes, he now has a total of $23,000.

But if I give Ayesha so much money all at once, and she runs away, I'll suffer a huge loss.

Thinking of this, Irving instinctively wanted to refuse.

After all, no matter how much money he has now, it was all earned through hard work, bit by bit.

Irving felt that even the most beautiful woman wouldn't be worth spending five or six thousand dollars at once.

"If you can help me, I'm willing to pay the price!" Seeing Owen's hesitation, Ayesha knew she had no proof and immediately gritted her teeth.

After thinking for a moment, she went to Owen and tied her hair up...

After half an hour.

Irving pushed open the door, stepped out of the room, took a deep breath, and looked refreshed.

Sure enough! As the old saying goes, even heroes can't resist the charms of a beautiful woman.

Under Ayesha's pressure, Irving was forced to surrender and agreed to lend her $5,000, to be repaid in five months.

During those five months, she promised to work hard and repay the kindness.

After the deal was agreed, Irving hummed a little tune.

She led Ayesha to Tina's room.

A short while later, the paid program started again.

……

The next day, early in the morning.

A piercing ringtone shattered the peace.

Irving yawned, got up from Tina and Ayesha's embrace, and picked up his phone.

Upon seeing the phone number displayed on the screen, Irving instantly snapped back to reality.

The caller was none other than Luna, Ms. Catherine's assistant.

Irving stood up, jumped off the bed, pushed open the door and went outside before pressing the call button.

Upon hearing that Luna had already secured his legal status and would send the relevant information shortly, Owen was slightly taken aback, then overjoyed.

After realizing what had happened, he quickly thanked him and promised to cooperate fully with the film's performance.

After hanging up the phone, Owen let out a long sigh, Luna's words still echoing in his mind, his face full of disbelief.

He never imagined that Luna would resolve the issue of his legal status, which had been troubling him, so easily.

For a moment, Irving was filled with emotion.

Indeed, in America, there's nothing you can't do if you have money!