I beg you to give me a way to live

The title makes it very clear, it is about illegal private lending.

It stands to reason that usury is not protected by the state, and the state has special regulations on the high interest rate of private loans. Even private loans are not allowed to charge too high interest.If the interest rate agreed upon by the borrower and the lender exceeds the annual interest rate of 36% (agreed interest rate ≥ 36%), the interest agreement on the excess part is invalid.

Therefore, if you really borrowed usury, as long as you can repay the principal and the specified interest, you can go directly to the court to sue, and you don’t need to find any lawyer alone. The judge in charge of filing the case at the filing window will tell you what to do with the complaint Write down how to fight the lawsuit.

But this problem has never been resolved, because this case is not the most common usury at this time, but the legendary routine loan.

Not to mention now, even when campus loans are popular a few years later, this kind of routine loan is also very difficult.

"My daughter was tricked by a classmate to borrow money. At the beginning, she only borrowed 2000 yuan, and the interest was not too high. But the IOU specifically stated that there must be an online guarantor in the middle."

"The content of the IOU does not seem to be harsh. I will borrow 2400 this month and repay [-] at the beginning of next month. If the repayment is not smooth, I will not only return [-] to the borrower, but also give [-] to the guarantor."

At first glance, the interest does not seem to be much, but who would have thought that with such an ordinary IOU, the girl's scattered money would roll to 150 million in the end!

That's right, every time it is overdue, the guarantor must be repaid the same amount owed at the same time.

Therefore, the debt of two thousand and four quickly turned into four thousand and eight, and inexplicably, four thousand and eight became nine thousand and six, and nine thousand and six exaggeratedly rolled to nineteen thousand and two... Unless it is through the family, the girl It is impossible to spend so much money.

"Don't worry, I can help you find a way. You listen to me. Money is really not a big deal." Just when the girl was desperate, the borrower finally showed his sinister true colors.

He recommended a so-called friend, and as for him, the original creditor, he became the girl's new guarantor as a matter of course.The next round of lending to support loans has begun.

Some people may ask, why at this time, the girl would rather borrow more money than tell her parents?The answer is simple - because of fear.

If it is said that the amount of [-] can still be asked for, [-] will be scolded at most.But what if the amount becomes [-]?

The children who are still in college have never experienced a total of 4 yuan in their hands. How dare they say it?But if you don't dare, there is no turning back.

"This is blatant fraud! My request is to let these fraudulent loan sharks be punished by law instead of simply going through civil lawsuits. In addition, I have 150 million for repayment, but I will never give it to these people. Help the bastard!"

As the sufferer, the mother spoke very fiercely.But no matter how intense it was, she couldn't find a way to solve the problem.

The difficulty of this case is that even though everyone knew it was a fraud, judging from the legal provisions at this time, he did not constitute a crime, because the daughter signed the contract on her own initiative while she was conscious.

"It's very troublesome. According to the current regulations, the only thing that can be done is to reduce the amount of the last arrears to 75 principal plus 30.00%[-] annual interest. It will be very difficult."

"That's right. The other party is indeed playing tricks, but after the emergence of a new loan relationship, the previous contract has been completed and destroyed. So the only thing that can be studied now is the last loan. Impossible, give up!"

Most of the lawyers in the lawyer district replied in this way.The reward amount of [-] is already a very high amount for the young lawyers who often hang out in this district.But there is no way, if you can't fight, you can't fight.

But it can only be said that it was a coincidence that the sufferer met Mu Cisu.In the last life, I had a lot of contact with this routine, Loan Mu Ci Su.Even as a law-enhancing blogger, he has written many solutions to routine loans.The little routine in front of him is really nothing.

Therefore, Mu Cisu pondered for a while, and quickly wrote down his answer. Then, without waiting for the other party's response, he decisively changed to the next target.

However, in S City at this time, a mother had just come out of the room, and the rice she was holding in her hand was already cold, but she hadn't touched it at all.As for the room behind her, it was deathly silent.

"Is my daughter still not eating?" The father sitting in the living room asked with concern.

"No." Mother shook her head sadly.

She is the sufferer who offered a high reward in the lawyer's district.There is no way.The incident happened so suddenly, and before they knew it, the loan shark had already chased after the debt to his daughter's school, and even posted a large number of posts on the school forum, clamoring for her daughter to pay back the debt.

This is a school forum!Not just teachers and parents, but a place where all students in the school can see.

"Stay away from her, she even borrowed a usury loan, don't implicate us."

"You borrowed it yourself! You didn't mortgage anything in the dormitory, did you?"

"What are you borrowing money for? Don't be...hehehe" Suspicions with malicious intentions, all kinds of bad doubts, people who don't want to kill the world for themselves, for these people around them, they may be out of self-preservation and fear.But for the daughter, such questioning is tantamount to tearing off her self-esteem and face, throwing her on the ground and stepping on it.

She was just cheated!The daughter tried to explain, but the loan contract was there, and all the words were pale.As for the routine loan, it has become her biggest worry. If she continues to suffer like this, she will have problems sooner or later.

Putting down the bowl, my mother turned her back and wiped the corners of her eyes.Speaking of which, it's all the fault of the couple. It would have been nice if they had discovered something was wrong early on, and it wouldn't have caused trouble to the present.

Thinking of this, she took a deep breath and turned to her husband who was still flipping through the civil law on the sofa, "What did the lawyer I met today say?"

"It's still the same." The husband put down the book, and the white hair on his sideburns under the light was particularly glaring. "It's not easy to fight a lawsuit. Even if we go to a civil case, we will definitely have to pay at least 75 yuan. The money is fine, but my daughter is still on the other side of the school. It's hard to explain."

"Then let these bastards get away with it?" The mother frowned and sat next to her husband with a sigh.

At this time, the daughter who was listening at the door could not help but cover her sobbing mouth.

She wanted to stand up and tell her parents that this was not the case.She really didn't borrow that much money, it was only two thousand and four at the beginning, and she could pay it back.But it happened that one day was too late, and it became four thousand eight.She can only borrow another two thousand and four to repay the remaining amount.But this time the loan turned into 150 million with rolling interest.

150 million, they can already buy a house here!What made her even more ashamed was her parents' forgiveness after scolding and crying.This made her even more ashamed.

Seeing the sadness on the faces of the parents in the living room, the daughter felt that she had nothing to bring to the family except trouble.

At this moment, she suddenly heard her mother say, "It seems that another lawyer replied, but it's just a trumpet."

Trumpet lawyer?I'm afraid it's also for the 1 yuan to fool people.The daughter had no hope.But in the next second, she saw his father stand up excitedly from the sofa, frantically looking for his mobile phone to call the lawyer.

Five minutes later, she heard her father say to her mother, "It's done! The case can be filed! I asked our lawyer, and they said that the case can be filed from this point of view. We will go to the court tomorrow. We have met the big hands of the lawyer circle!" "

"Quickly, quickly accept it!"

"Really?" The daughter opened the door excitedly and came out. After getting an affirmative answer from her parents, she covered her face and cried slowly.

Finally, there is a solution to this case.

The girl's family had a preliminary plan, and Mu Cisu quickly received a payment notification that the answer was accepted.However, he just glanced at it and continued to look for reward topics with good prices.

Josie's case is said to have a month to go to court, and this is just the beginning.

But Mu Cisu was calm, but the other side of the lawyer's area was already fried.Because the real big players in the legal circle rarely mix in this area, and there are very few who come down, and they don't see the end of the dragon.In addition, Mu Cisu is a trumpet, and the moment the question was adopted and announced, it attracted the attention of the lawyers in the entire Q&A area.

It's a clever idea, but it's surprisingly simple to operate.Use two methods to sue the relevant personnel of the routine loan at the same time.

Civil case prosecution and criminal private prosecution.

Among them, the civil lawsuit takes the loan contract as an invalid contract as the starting point.

In China, a contract can only be called a valid contract if it meets the effective requirements of the contract and can produce the legal effect expected by the parties to the contract.But in this case, the girl didn't get any money from the beginning to the end except for the initial two thousand!And there is no such transaction in the bank card, so how can a contract without money be considered a valid contract?

On the other hand, the angle of the criminal private prosecution is even more tricky. Mu Cisu asked his daughter's parents to sue the routine loan for a new type of fraud that caused great harm to the society, and at the same time questioned the source of the routine loan lender's funds.

At this time, the word “routine loan” has not yet entered the public eye through campus loans as it did in the next few years.So there is no clear legal definition.However, the Supreme Court once gave special qualitative regulations on the source of private lending funds-it must be a formal source of income.

And this point, all routine loans cannot be 150% guaranteed.So as long as the case can be filed and the police intervene, their fate is self-evident.At the end of the investigation, there must be more than one tail.At that time, the amount of [-] million is really enough for him to be imprisoned for several years.

"Wonderful! It's really wonderful!"

"I've been thinking about how to open a case for fraud, but I didn't think there was a detour to get there."

"Which big hand is this? Woohoo, boss, please advise."

Someone curiously guessed the identity of Mu Cisu's vest.But then, they discovered that the few bounties in the lawyer's area that were always floating on the front page but hadn't been resolved had been resolved one after another!What's even more frightening is that Mu Cisu's answering efficiency is very high. Often they are still looking at one difficult problem, and the next one has already been solved.

Inheritance of legitimate children born out of illegitimate children - resolved.

The truck overturned and the tangerines were robbed and the money lost was recovered—solved.

The consumption was cheated and reported to 315, but it was beaten up and paid 30 yuan to the unscrupulous merchant for "rumour-making"-solved.

But in just one hour, the front page of the Q&A area, which was originally full of rewards, became empty.

So this boss is here to send warmth?

Many people watched Mu Cisu solve the problem dumbfounded, and took notes while marveling.In the end, many lawyers couldn't help but offer rewards for their cases, hoping to get Mu Cisu's answer.

Ten thousand, five hundred, three hundred, three hundred, four hundred...

As time went by, Mu Cisu's mobile phone kept receiving notifications about the transfer of the account.By the time he stayed up until three o'clock in the morning, there were very few cases with reasonable prices on the first page.Mu Cisu stopped and rubbed his neck tiredly, but his heart felt much more at ease.

At this time, he had about [-] yuan in his hands.It's still not much, but it's more than enough to maintain the current situation, and I can buy some delicious supplements for Josie.The little girl was too thin, and Mu Cisu was always worried that she would not grow up.

Thinking of this, Mu Cisu calculated the time, leaned on the chair of the Internet cafe and squinted for a while, at [-] o'clock in the morning, he took care of himself briefly, and then rushed to the hospital.

Coincidentally, the police who rescued Qiao Qiao yesterday also came.When he saw Mu Cisu, he greeted him with a smile, "Lawyer Mu, Josie's parents are here. It's just that emotionally..."

The policeman sighed, only thinking that this family was suffering more than Huang Lian.

"Thank you, I'll go take a look first." Mu Cisu understood what he meant, and hurried into the ward.

Right now, in the ward, Josie is sitting on the bed. Her mother has already held her and cried for a round. As for Josie's father, he is squatting at the door of the hospital with his head in his arms.His sturdy body is bent like an old man in his dying years.But most of the passers-by around only cast strange eyes on his crumpled clothes, and covered their noses in disgust.

The author has something to say:

Routine loan: The deepest road you have traveled is my routine.

Mu Cisu: Oh