“Wen Kai’s son, when we go out later, don’t say anything out of line.”
Granny Yang dared not provoke Shen Yunsheng at this time. Logically speaking, since they had not yet separated their households, Shen Yunsheng's illness should be covered by public funds, but they had not contributed a single penny. If Shen Yunsheng persisted in his actions, it would be very disadvantageous for her.
"Don't worry, Mother, your daughter-in-law won't say anything out of line."
Qiu replied casually, then added, "Twenty taels of silver is enough for my husband's travel expenses. If my sister-in-law asks us to help pay back the silver, how will we survive?"
"Don't worry, I won't help them pay back the money."
Granny Yang was heartbroken. If the money-losing goods hadn't cost her any money, she could have used it to help her second son and eldest grandson build relationships.
When Qiu saw her mother-in-law leave, she quickly followed her.
Xiao Family Compound, Front Yard
The manager who came to collect the debt was a tall man in his twenties. He had a dark purple scar on his left cheek that extended all the way to the left corner of his mouth, which looked quite frightening.
He brought only one sword-wielding samurai with him to collect the debt today.
As soon as Shen Yunsheng and his mother-in-law arrived at the front yard, they heard the swordsmen discussing the old lady.
“Brother Zhou, this trip today is probably a waste of time. I heard from the villagers of Dahe Village that Old Madam Xiao is a biased old hag, and she definitely won’t help Luo Shi pay back the money.”
“That old hag is really outrageous. If she hadn’t refused to help, Luo wouldn’t have asked us for money. When you see Luo later, don’t scare her.”
"Hey! If we don't scare her, we'll lose our bonus this month."
"Dongzi, you must remember what the master said. No matter what, the rules of the money shop must not be broken. The master has lowered the interest rate of the loan to the lowest possible level in order to help the poor who need help."
"Don't worry, Brother Zhou, I will definitely abide by the rules of the money exchange."
The attendant smirked, and before he could finish speaking, Shen Yunsheng helped his mother-in-law walk over.
Although it was their first meeting, Shen Yunsheng had a good first impression of Steward Zhou. Although the scars on his face were frightening, his bright eyes were full of righteous indignation.
When Steward Zhou saw Madam Luo come to the front yard, he smiled slightly at her.
"Madam Luo, the money you borrowed is already two days overdue. When do you plan to repay it?"
Luo was filled with worry. She only had two taels of silver left, which her youngest daughter had earned from odd jobs. Even if she gave it all to Manager Zhou, it wouldn't be enough to pay the interest.
Shen Yunsheng sighed softly. Sometimes, even a penny can stump a hero. The most urgent thing is to discuss the repayment date, and we can figure out the rest later.
"Manager Zhou, could you please grant me a few more days? I will repay you as soon as I have enough silver."
Luo spoke cautiously, explaining that she planned to borrow some money from her eldest daughter to get through the immediate crisis.
Manager Zhou didn't want to make things difficult for Madam Luo, so after thinking for a moment, he took out the IOU.
“Madam Luo, if your overdue period exceeds twenty days, the interest will increase. Even if I don’t charge overdue fees, the interest will still compound.”
Shen Yunsheng frowned slightly. In ancient times, if the loan was not repaid on time, the interest would multiply. She needed to resolve this issue as soon as possible.
"Manager Zhou, could you please show me the IOU?"
"Please feel free to look around. Our Heda Money Exchange never cheats our fellow villagers. Before each customer borrows money at exorbitant interest rates, I will carefully explain the rules of the money exchange."
Manager Zhou stepped forward and handed the IOU to Shen Yunsheng.
At this moment, he was already amazed by Shen Yunsheng's temperament and beauty. Her beauty was unique. Her fresh and refined face was as delicate as a lotus emerging from the water, and her eyes were as bright as stars. Even though she was dressed in coarse clothes, she was breathtakingly beautiful.
In particular, the elegant temperament she exudes has a unique charm.
Even noble ladies from prestigious families are only fit to play a supporting role in front of her.
Manager Zhou was amazed, then smiled and looked at Shen Yunsheng.
"Don't worry, Madam Shen, our Heda Money Shop never cheats its borrowers."
Shen Yunsheng had already read the IOU, and as soon as Manager Zhou finished speaking, she returned the IOU to Manager Zhou.
This IOU is indeed reasonable and legal. Compared to other money shops, their interest rate is the lowest. Her mother-in-law borrowed twenty taels of silver, and the interest for three months was only six hundred cash.
If the payment is overdue for no more than 20 days, a late fee of 100 coins will be charged. If the payment is overdue for more than 20 days, the interest will only double. Interest will only start to accrue if the payment is not made for more than three months.
"Manager Zhou, to be honest, my mother borrowed all the money to pay for my medical treatment, and we really don't have any money now. Could you please give me a few more days?"
Shen Yunsheng was glad that his mother-in-law hadn't borrowed money from other banks; otherwise, the interest would have been higher than the principal.
Just as Steward Zhou was about to speak, Qiu Shi took Granny Yang's arm and led her to the front yard.
“Wenjing’s family, you have disappointed me greatly. If you need money, you can tell me, and I can help you find a way.”
Qiu Shi chimed in, "Sister-in-law, we're all family. If you're having any difficulties, you should let us know. Don't try to tough it out."
Shen Yunsheng clenched her fists in anger. What a hypocrite! If they hadn't refused to help her in her time of need, would her mother-in-law have gone to borrow money at exorbitant interest rates?
Now that debt collectors are knocking on their door, they want to save face again. How shameless!
Luo had long been accustomed to the ugly faces of her mother-in-law and sister-in-law. Despite her mother-in-law's kind words, she was more ruthless than anyone else when it came to crucial moments.
Shen Yunsheng looked at Granny Yang with a mocking expression: "We are short of money right now, so why don't you help us pay off the loan sharks first, and I'll find a way to pay you back when I have some money on hand."
“I…I’m an old woman, how could I possibly have any extra money to help you pay off your debts?”
As soon as Shen Yunsheng mentioned returning the money, Granny Yang immediately flew into a rage.
Just as Qiu was about to speak, Shen Yunsheng sneered coldly, "If you don't want to help, then don't make sarcastic remarks."
Before Steward Zhou arrived, he had already investigated the Xiao family. He also thought that Granny Yang was despicable. Not only was she biased, but she also refused to help someone in distress.
Today, he'll teach her a lesson.
“Grandma, although the loan was taken out by Madam Luo, since you haven’t separated your households, you have an obligation to help her repay the debt.”
Granny Yang looked at Steward Zhou in disbelief. It wasn't her who borrowed the money, so why should he make her pay it back?
Shen Yunsheng looked at Steward Zhou with great gratitude, thinking to himself that this man was truly a good person! His appearance gave him more confidence and courage.
At this moment, Granny Yang was so angry with Steward Zhou that she almost fainted and couldn't say a word.
Seeing this, Shen Yunsheng felt the time was right and launched an attack.
"Grandma, since you're unwilling to help us repay our debts, that's fine. But please grant us one request—let's divide the family property! That way, you won't have to worry about this money; I'll find a way to solve it myself."
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