The IOU was signed not by Bai Rou'er or Bai Nongrui, but by Bai Rou'er's stepmother.
Therefore, this IOU has no legal effect whatsoever.
Bai Rou'er said coldly, "Go find whoever borrowed this IOU from."
Huang Yu asserted, "This was signed by your stepmother. Your stepmother and your father are husband and wife, so this IOU is related to you too."
Bai Rou'er: "Sir, the law has been updated. Let me give you a brief explanation of the law."
"If one spouse takes out a loan and the other spouse is unaware of it, they are not jointly liable for the loan."
Hearing that the debt was invalid, Huang Yu raised his voice and said sternly, "Your stepmother said that the money was to lend to your father for medical treatment. We only lent the money because we felt sorry for your family. Now you say you were unaware of it. How can that be explained?"
Bai Rou'er: "The borrower cheated my family out of money, and I suspect you might be an accomplice as well."
She took out her phone and played a recording that the police had found on Bai Nongrui's phone.
In the recording, two men can be clearly heard discussing borrowing money.
Wei Luo took the initiative to approach Li Bohan and proposed to cooperate with him.
“I heard your plan to swindle money from the Bai family.”
"What...what are you going to do?"
Wei Luo: "I want to cooperate with you. Help me set up a scheme to get money from me and a few bosses. Since you're all going to run away anyway, the money will end up in the Bai family's hands, and it won't have anything to do with you. After it's done, give me 30% of the money."
"They have a good relationship with you, so why would you set us up?"
Wei Luo snorted coldly: "If the Bai family repays the money, I will have more income. If the Bai family does not repay the money, these restaurants will fall into financial crisis and be on the verge of bankruptcy. Then I will be the only one in the entire county."
"Isn't that Huang Yu your brother of decades?"
Wei Luo: "He's just a fool. When the time comes, I'll give him some money, and he'll even help me appease the other bosses."
Huang Yu and the others recognized the voice very well; it must be Wei Luo.
Wei Luo is a true capitalist; he won't do anything without profit, and he even betrayed his brothers of several decades.
"Huang Yu, I said I wouldn't lend you the money back then, but you encouraged me to borrow it. You have to compensate me for my losses!"
"You tricked me into borrowing that money, give it back to me!"
"You're an accomplice, you should be locked up!"
The others grabbed Huang Yu by the collar, demanding an explanation. Huang Yu was shaken until he was dizzy and several boils appeared on the corner of his mouth in his anxiety: "What if... what if this recording is fake?"
Bai Rou'er smiled slightly, but the smile didn't reach her eyes: "This audio was copied from the police. If you don't believe it, you can apply for an authentication."
She added, "According to the Civil Code, contracts that are maliciously conspired with others and harm the legitimate interests of the parties involved are invalid. As for the loan, this contract has nothing to do with us. If you still ask us for money, that is extortion, which is enough to put you in jail for three years."
With his life savings gone in ashes, Huang Yu's legs gave way and he collapsed to the ground, clutching his hair and sobbing, "I... how could I be so stupid? God, my money!"
Bai Rou'er exuded a powerful aura, her back ramrod straight as she looked down at Huang Yu: "Not only that, you are also suspected of usury. I have already called the police. It's not too late for you to turn yourselves in."
The IOU states an annual interest rate of 50%. According to national regulations, loans with an annual interest rate exceeding 36% are considered usurious.
Not only are high-interest loans invalid, but serious cases can also be subject to fines.
The other restaurant owners waved their hands repeatedly, saying, "I know nothing about the loan."
Huang Yu, who had thought he could still get money back from Wei Luo, was so angry that his mouth twisted into a crook: "Damn Wei Luo!"
No sooner had he finished speaking than a police car pulled up on the side of the street, and two policemen got out and walked over.
"Who called the police?"
Bai Rou'er raised her hand: "I called the police. I reported them for loan sharking."
Huang Yu defended himself, saying, "I... I borrowed the money to help others; I'm a victim too."
The police officer, with a righteous expression, said, "Please come with us."
It's impossible not to know about signing such a high interest rate.
Huang Yu looked at the restaurant owners with pleading eyes, but to his surprise, they not only didn't help him, but also kicked him when he was down: "Officer, I'm reporting his restaurant for serving customers leftovers from the previous night."
"I reported him for illegally adding preservatives."
"His flesh was frozen for decades, like zombie meat."
The illegal use of preservatives can result in fines, and in serious cases, imprisonment.
They can't get the money back; they can only vent their anger.
Huang Yu was filled with fear and trepidation, and almost fainted. He clutched his chest to catch his breath.
The onlookers also cursed Huang Yu, saying, "What a despicable act! Giving people preservatives!"
"A son born without an anus, bah!"
"You son of a bitch, you idiot!"
The extremely harsh and profane insults caused Huang Yu to faint from exhaustion.
Zhang Fan pointed his finger lightly, and a golden spiritual energy overflowed from his fingertip, heading straight towards Huang Yu.
The golden light entered the center of Huang Yu's chest, and he only fainted for a moment before instantly waking up.
Zhang Fan sneered. Fainting wouldn't do; Huang Yu had to hear more of these people's insults.
Many of the rural women here are skilled at cursing, and their language is so vulgar that Zhang Fan doesn't even dare to listen.
Huang Yu's chest heaved violently as he was being scolded. Suddenly, he hooked his hand, tilted his head, and stuck out his tongue, drooling.
He had a stroke!
Huang Yu had been eating a lot of meat and fatty foods for a long time, so a stroke was bound to happen sooner or later. Now, due to some kind of shock, it happened prematurely.
Whether he lives or dies is now up to fate.
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