144: The lawyer's name is Zhou Yun

It was the weekend, and Zhu Shuyi was doing laundry and cleaning her rented apartment. It had been a few days since she received the call from the Court.

However, she wasn't as worried now. It was only right to pay back debts, but she simply couldn't accept how a loan of five thousand yuan mysteriously turned into fifty thousand.

To be honest, she had been trying to repay the debt before, but she just couldn't clear it; the more she paid, the more it grew.

Just then, her phone rang. She picked it up and saw it was an unknown number. After a moment of thought, she answered.

Soon, a male voice came through the phone: "Hello, Miss Zhu, I'm from Jisuxin Wallet. You should already know that we've filed a lawsuit, right?"

Hearing this, Zhu Shuyi frowned, but still said, "I know. What about it?"

Meanwhile, in Xinguang District, Jinghai City, inside Jisuxin Internet Technology Co., Ltd., a man was speaking into his phone: "It's like this, Miss Zhu, it's not that we absolutely have to do anything, but your debt has been outstanding for too long, you know."

The man was a member of Jisuxin Wallet, named Ma Dehai, primarily responsible for collections.

Because of the various crackdowns on predatory lending in recent years, they no longer pressure people too hard. They communicate using a "friendly negotiation" tone.

Zhu Shuyi heard him and said, "Yes, it's been a long time, but I only borrowed five thousand at first, I…"

However, her words were cut off by Ma Dehai halfway through.

"Miss Zhu, what you did before has nothing to do with us, right? We don't know what you borrowed the money for."

"We only know that you borrowed money on our APP, and now you're overdue. So, even if it goes to Court, we're in the right."

Zhu Shuyi immediately said, "Then why are you still calling me? Just wait for the Court's judgment, isn't that enough?"

Ma Dehai's brow furrowed. If it were in the past, how could people like them be so polite?

First, there would be various harassing calls, non-stop twenty-four hours a day, then contacts would be exposed, and finally, on-site collection.

But now it's not easy. Harassing calls and exposing contacts are fine, but if they go for on-site collection and the other party calls the police, it's easy to run into problems.

"Miss Zhu, I'm calling to resolve the issue. A lawsuit is only a last resort."

"You shouldn't keep complaining, it's useless. Right now, we can offer you an installment payment plan."

"Of course, you might pay a little more interest each month, but then we can go for mediation."

This was also an old trick now: first threaten with a lawsuit, then play the good cop, saying they don't want that, and offer an installment payment opportunity…

At this point, some people would compromise, after all, the other party really did file a lawsuit.

Many people in life have a "keep a respectful distance" attitude towards the Court.

And our traditional concept is also to try to avoid lawsuits if it can be resolved by other means.

This concept is understandable, because legal recourse to protect rights is indeed very troublesome.

But that also depends on the specific situation. If the other party is clearly trying to trick you, then you can't be afraid.

"Installment payments, right? And then it'll be like before, when the time comes, I'll find I can't pay it back at all. You think I'll fall for it again, right?"

"I'll say it again, since you want to sue, let's sue. I've already found a Lawyer."

"Don't say anything useless anymore. There's no way I'm mediating. That's it."

"You can continue to call my parents and friends, I don't care."

After saying that, Zhu Shuyi was about to hang up.

Ma Dehai on the other end was a little anxious. What was wrong with this person? She was completely unyielding!

He had no choice but to use his trump card: "Miss Zhu, don't be anxious, okay? If you can't accept installments, we can also offer you some debt reduction…"

This could be said to be the real trump card. Imagine, one day you owe someone money, and the other party says you can pay less. Would you compromise?

Very few people can hold out at this step.

And as long as a mediation can be reached, it's easy to handle. If you don't pay later, they can apply for compulsory enforcement.

Doing this also carries no risk, because there's no need for a Court hearing, and thus no need for those debates.

Although they earn a little less, it's safer.

Predatory loans are one trick after another, many are designed by legal professionals, and ordinary people fall for them if they're not careful.

Hearing this, Zhu Shuyi finally smiled, or rather, the other party's reaction was exactly as Lawyer Zhou had said!

Lawyer Zhou had already said before that there was a lot of trickery in this case, and he needed to investigate it thoroughly.

He also said that recently this company would definitely propose some solutions, similar to installments, or even a method of reducing a portion of the debt to get her to sign a mediation agreement.

At the time, Zhu Shuyi was still puzzled, but now it seems that all of the other party's reactions were within Lawyer Zhou's predictions!

"Let me put it this way, unless you don't require me to pay back these fifty thousand, there's no way I'll agree to mediation."

After saying that, Zhu Shuyi hung up the phone and then blocked the other party.

She didn't care anymore. After the judgment, she would pay whatever was required, but now she wouldn't agree to any conditions.

On the other side, Ma Dehai was stunned. No, what's wrong with this person? You're the one who owes us money!

Anyone who didn't know would think I owed you money. And you won't accept mediation? Who do you think you are!

After cursing a few times, Ma Dehai still went into the office nearby.

"Liu Supervisor, I just communicated with Zhu Shuyi. I even proposed debt reduction, but she wouldn't agree at all."

"She also said that she had already hired a Lawyer to respond to the lawsuit, and that since it was filed, it should proceed as it should."

Liu Supervisor in the office frowned upon hearing this and said, "She won't agree at all? Alright, I'll go tell General Manager Yu and see if we should continue with the lawsuit."

On the surface, this company looked very legitimate, with about twenty employees, each responsible for various aspects.

People like Ma Dehai were in the collections department, and they didn't need to go for on-site visits or anything. Overall, the work wasn't difficult.

Soon, Liu Supervisor found the company boss.

"General Manager Yu, that's the situation. What do you think we should do?"

Yu Yun, sitting at his desk, heard this and said, "Just let the legal staff handle the lawsuit normally. It's fine, we must put pressure on the other party."

Yu Yun wasn't worried about any problems. This entire scheme was specially designed by someone. The other party could now be said to only have a connection with Jisuxin Wallet, so a normal lawsuit would suffice.

While the two were chatting, there was a knock on the office door.

Yu Yun immediately looked towards the door: "Come in!"

Soon, an employee walked in with a mailed package and said, "General Manager Yu, I just received a package from Jingnan District Court. The postal delivery person said it contains the defense statement and summons."

Yu Yun didn't think much of it, nodding and saying, "Put it down."

The company's business was extensive, and they basically filed a batch of lawsuits every so often, so receiving summons like this was very normal.

The employee put down the package, and Liu Supervisor next to him immediately picked it up and opened it. What surprised him a little was that it only contained a copy of the defense statement and the summons, without even any evidence.

Yu Yun also saw it and chuckled, "Whose is this? How come there's no evidence?"

Liu Supervisor looked at it and said, "It's Zhu Shuyi's. Hey, that's not right, she said she had hired a Lawyer before."

"God knows where she found that Lawyer, it doesn't look legitimate at all. What's that Lawyer's name?" Yu Yun asked casually.

Liu Supervisor next to him looked at the defense statement and was immediately stunned: "That Lawyer… that Lawyer's name is Zhou Yun."