Fortune fortune

Chapter 97 Debt Collection

"What is this?" Tian Hao asked in surprise.

Xu Fang took out a form and handed it to Tian Hao, and after he looked at it for a while, he explained: "Tianhai Bank's bad debts over the years! If these arrears are not returned to the bank, the front is the principal of the arrears, and the back is the interest. I asked for these bad bills to ask Brother Hao for a favor.

There are many people on your side, you can take these bills to find the debtors and ask them to pay the debts.The bank said that they only need the principal, and how much interest they can get back is all ours. "

"Why doesn't the bank ask for it?" Tian Hao wondered.

"They are all people with jobs, and their methods of asking for accounts are relatively mild. Those who are determined to be lasses, the bank can't do anything about them. To deal with these lasses, the only way to get their accounts back is to use 'our method'! " Xu Fang clenched his fist to point out.

Tian Hao understood it as soon as he heard it, and said with a smile: "I see! How much is owed here?"

"One is more than [-] million yuan, but I don't think you can get back that much. You can get back [-] million principal before the Spring Festival." Xu Fang estimated.

"So many!" Tian Hao exclaimed, and then asked: "Then what should I do?"

Xu Fang had a plan in mind, and said methodically:

"Just follow the lender's information above and ask for accounts one by one. There are a few points to pay attention to when asking for accounts. First, we represent the bank, and we must enforce the law in a civilized manner! Remember not to hurt anyone, let alone appear Life, otherwise none of us will be able to eat our bags and leave!
Secondly, some people have been in arrears for a long time, and the interest is much higher than the principal. It is impossible for such people to get all the interest back, so you can give them a certain discount.For example, if the interest is 10, you can ask him to repay 5. Anyway, we can earn some.

Third, if it is really family difficulties and maintenance of life is a problem, let such accounts be temporarily let go, and don't force people into a desperate situation.

Fourth, the other party can't afford the interest, and even the principal is not complete, so such an account is necessary.Although it doesn't make money, it can earn word of mouth.Tianhai's family is not the only bank in Yunhai City. If word of mouth spreads, other banks will come to us, and this money is enough for us to earn! "

Tian Hao pondered Xu Fang's words carefully, and his heart gradually brightened.

Not only is this business profitable, but it can also be done in a fair manner!
Taking a deep breath, Tian Hao cheered up and said: "Don't worry, brother, I know the seriousness, and you have to 'convince others with virtue'!"

Xu Fang was amused, and he used the essence of "convincing people with virtue", nodded and said: "Brother Hao knows how to measure, as long as there are many 'dirty jobs' that can be put on the table, there are actually a lot of them if you look carefully. Brother Hao can develop in these areas in the future."

"I've been educated! Brother, you are really convinced by your brain!" Tian Hao extended his thumb sincerely, and then said: "This business was conceived by my brother, and you should take the lead, but I have too many brothers here. , just to take advantage of you, how about a fifty-five share?"

"Brother Hao, I just provided an idea. Brother Hao is the one who contributes, and there are indeed a lot of people on your side. I only get [-]% of the profit." Xu Fang adjusted the distribution ratio.

"How can this be done!" Tian Hao stared, "How can I take advantage of you again and again!"

"Brother Hao, [-]% is really a lot of profit, so let's not push it." Xu Fang laughed loudly.

Seeing that Xu Fang insisted on this ratio, Tian Hao had no choice but to give up.The two discussed the details of the cooperation again, and Xu left the club conveniently.

Only taking [-]% ​​of the profit was also something Xu Fang had considered carefully. After all, he only came up with a plan. Tian Hao might not feel anything about taking [-]% of the profit in the early stage.But as time goes by, if he can take half of the profits by doing nothing, who can guarantee that Tian Hao has no objections?
It is better to solve the hidden dangers in time than to make brothers turn against each other and set up a big enemy for themselves.

……

After Tian Hao waited for Xu Fang to leave, he immediately called his younger brothers over.

After explaining the debt collection process and precautions in detail, these people were divided into 60 groups, and then they waved their hands to ask for debts.

These people usually can only hide and hide when they do things, but now they can do things in an aboveboard manner, and they are all happy as if they are going to the market.

In a certain office building, a man was surrounded by several of Tian Hao's subordinates.

There was a flash of panic in the man's eyes. Someone told him to come out just now. He thought it was a courier delivery, but he didn't expect to be dragged into the stairway as soon as he went out.

"Who are you! I can tell you that there are surveillance cameras in the stairway. If you dare to mess around, I will call the police!" the man panicked.

"Report to you Mahler i Gobi! Fang Zhuo, right? Listen, I belong to Tianhai Bank! Five years ago your wife took out a loan of 50 from the bank. It was supposed to be repaid two years ago, but it has been overdue. Why? , Do you want to renege on your debts?" asked the leader, a strong man wearing sunglasses, viciously.

Stared at by four vicious people, Fang Zhuo felt a little nervous, and said in a trembling voice: "I... I have no money! And I've been divorced a long time ago!"

The strong man in sunglasses pointed at Fang Zhuo's forehead and yelled, "No money? If you don't have money, do you use Apple? It's the latest model! Divorce damn, I heard that you and your wife still live together! You work in this company, right? My last Ask you again and still not pay it back? If you don’t pay it back, I will let everyone in your company know immediately that you are an old rascal!"

A fright flashed in Fang Zhuo's eyes.

His current job is not bad, with a monthly salary of nearly [-]. If the whole company knows that he is an old man, how can he have the face to stay in the company in the future?

And it's not that he can't pay back the money he owes, but he just doesn't want to pay it back. In order not to pay it back, he even faked divorce from his wife.Whenever someone came to press the bill, he would ask the other party to find his "ex-wife".The bank had nothing to do about it, and did not take other measures. Fang Zhuo owed money with peace of mind.

However, the method of debt collection this time was far beyond Fang Zhuo's expectations.

"There are many ways to punish you. I count to three, and if I don't say anything, I will pretend that you don't plan to pay back. One, two..."

Seeing that the man in the sunglasses wanted to get serious, Fang Zhuo couldn't stand it any longer, and hurriedly nodded, "Return, I will!"

"Now ask for leave to pay back! We haven't finished before this afternoon, we will stay at your house today! Then you will sleep in the living room, and the buddies will sleep in the bedroom with your wife!" .

Fang Zhuo wiped the sweat from his brow, but hurried to the bank without going back to the company.

……

At a construction site, a fat man was surrounded by five people as soon as he got out of the car.

"Big Brothers, do we have any misunderstanding?" Seeing the five big and three thick people, the fat man felt a little guilty.

"Boss Jin, don't panic, we are not bad people." A long-faced man said first.

Jin Shuai complained in his heart, are you still bad people?But he didn't dare to say that, nodded and bowed his head and said, "Then what's the matter with you?"

"We belong to Tianhai Bank. You owe the bank 15 yuan. Is this little money worth it?" the long-faced man asked Jin Shuai, looking at Jin Shuai disdainfully.

Jin Shuai was a little annoyed. All of them looked fierce, but they were debt collectors from the bank, so they thought they had encountered a tough problem.

In his impression, debt collectors like banks only use "clearing personal credit" to scare people. He is not afraid of this at all, and said impatiently: "Okay, I see, I will pay you back for this little money." If I have time, I will pay it back.”

(End of this chapter)