Zongman: Beginning and Snow under the Rain Escape from Raccoon City

"It turns out her mother's name is Yuihama Yuka."

Ye Hai nodded thoughtfully; this was the first time he had ever learned about Yui Yuigahama's family.

How should I put it... his relationship with Yui Yuigahama is just that of classmates.

"Understood, I'll handle this debt."

Ye Hai accepted all the debt information of the Yui family and planned to personally talk to Yui Yui tomorrow.

"How's business lately? Is the debt recovery rate high?"

Ye Hai's Deepsea Financial Co., Ltd. currently derives its main source of income from these non-performing asset disposal packages purchased from banks.

Therefore, he naturally pays more attention to this area.

"Boss, the overall recovery rate of the 500 million yuan non-performing asset package we bought last year was 14%. After deducting collection and legal costs, as well as the purchase cost of 20 million yuan, we still have a profit of more than 40 million yuan."

"Converted to Japanese yen, it's more than 800 million."

Kentaro Yamamoto reported excitedly that he only learned about this after he started working in the financial industry under Boss Ye Hai.

The profits of the KTVs, dance halls and bars of the Inugami Group in the past were nothing compared to those of the financial industry!

Ye Hai nodded slightly: "It's good that there's something to earn, so I can pay you your salaries."

"Boss, you're joking. Even without a single penny of salary, we will absolutely do our best to serve you!"

Kentaro Yamamoto loudly proclaimed his loyalty with high spirits.

To be honest, when he was in the Inugami Group, he spent most of his time working like a slave, with no salary to speak of.

They only get a small share of money by keeping the bosses happy, or by collecting tips from customers at the KTV; they don't get any salary at all.

After all, how can the underling ask the boss for money?

It should be the younger brother who is filial to the older brother.

But what can they do? If these lowly underlings had a choice, why would they join a violent organization?

They're just marginal figures in society with nowhere else to go.

Fortunately, he now follows a new leader, which has given Kentaro Yamamoto a renewed sense of humanity.

I never imagined that he, a loser who dropped out of high school, could one day be dressed in a smart suit and earn an eight-figure monthly salary in yen.

Many leaders in large companies don't even receive this salary.

In fact, Deepsea Financial usually pays salaries in RMB, but Kentaro Yamamoto prefers to exchange it for Japanese Yen.

The numbers look bigger this way!

Fifty thousand sounds better than ten million.

"Alright, if there's nothing else, I'll be going now."

Ye Hai stood up, patted his butt, and said that he was exhausted after a whole day in the Resident Evil world, and after coming back, Yukino Yukinoshita dragged him to be drained dry.

I was just about to lie down and rest when I had to come back to deal with company matters.

He's exhausted now.

"Respectfully seeing off our boss!"

Kentaro Yamamoto's ability to read people is practically maxed out. Seeing that Ye Hai showed a hint of drowsiness, he didn't waste any words, stood up, and bowed deeply to Ye Hai with his two underlings.

The boss's feelings are a million times more important than the company's business!

Ye Hai waved casually with his back to them and left.

……

The next day, the sun shines brightly.

"Jingle Bell--"

The school bell rang, signaling lunch break time.

"Hmm hmm hmm~"

Yui Yuigahama hummed a little tune as she took out the bento box her mother had made for her from her backpack, ready to start eating.

dong dong——

A slightly slender hand tapped her desk twice with its knuckles.

Yui Yuigahama paused for a moment, then looked up to see Ye Hai.

That student from a major East Asian country—since the establishment of the community of shared future for mankind, it has become very common for students from countries within the community to study across borders.

So when Yui Yuigahama discovered that there were foreigners in the class, she wasn't surprised at all.

"Come out with me."

After leaving a message, Ye Hai walked straight out of the classroom.

"what?"

Yui Yuigahama was stunned. She didn't seem to have any interaction with Hakai.

Yumiko Miura, who hadn't yet left the classroom, frowned and said, "What's wrong with this person?"

Yumiko Miura, with her long blonde hair, delicate features, and haughty personality, is a queen-like figure who reigns supreme in the school's popular group.

Thanks to Yui Yuigahama's ability to cater to others, at this time, Yui Yuigahama could barely be considered half a member of Miura Yumiko's small group.

So, she was naturally a little unhappy that an outsider like Ye Hai was behaving like this towards Yui Yuigahama.

Yumiko Miura was immediately prepared to step forward and argue with Ye Hai.

Seeing that things were about to take a turn for the worse, Yui Yuigahama quickly stood up and stood in front of Yumiko Miura to stop her, saying, "Yumiko, don't misunderstand. Ye Hai and I had arranged to talk about something at noon."

"Really?"

Yumiko Miura looked at Yui Yuigahama suspiciously and asked.

"Yes, really!

Yui Yuigahama nodded vigorously, and her enormous breasts swayed twice with her movements.

"I'll go first, otherwise Ye Hai will be getting impatient waiting."

Yui Yuigahama glanced back at Ye Hai's disappearing figure, said something in a flustered manner, and then turned and ran in the direction Ye Hai had gone.

Miura Yumiko's eyes narrowed slightly. Something was wrong, something was very, very wrong.

Yui Yuigahama is lying; this child doesn't know how to hide her emotions at all.

Yumiko Miura immediately noticed that when Ye Hai approached Yui Yuigahama earlier, the girl looked completely bewildered.

If we had made the appointment in advance, this situation wouldn't have happened.

With that in mind, Yumiko Miura immediately decided to secretly follow them to take a look.

Otherwise, with Yui Yuigahama's ingratiating personality, she would be too easily taken advantage of.

Although Miura Yumiko usually appears arrogant, she has her pride and will not allow "her own people" to be bullied by others.

……

"Ye Hai... is there anything I can help you with?"

Yui Yuigahama placed her hands timidly in front of her chest and looked around at her surroundings. What was it that she had to come to the rooftop to talk about?

The rooftop... no one... just a man and a woman...

Could it be... that Ye Hai is going to confess his feelings to her?

Yui Yuigahama's thoughts drifted aimlessly, and a blush crept across her face as she thought of this.

That was so sudden!

I haven't really had any experience with this yet, what am I going to do...?

How am I supposed to refuse...?

Ye Hai is quite handsome. If I really can't resist him, how about we give it a try and start dating...?

Yui Yuigahama isn't one to say no, so her mind was a complete mess, and she was blushing furiously.

Chapter 40 Rooftop

(Note that the legal provisions may differ slightly due to the needs of the plot; please do not apply them to reality.)

"These are a copy of your mortgage contract and a notice of debt transfer from the bank. Bring these to your family when you get home from school today."

Ye Hai held up a debt transfer document in front of Yui Yuigahama. He glanced at the rooftop door not far away. How could he not notice that there was a little tagalong?

It's just that I'm too lazy to care.

The reason I didn't discuss this matter directly with Yui Yuigahama in class, but instead came to the rooftop to handle it, was simply out of consideration for this classmate's feelings.

"what?"

Yui Yuigahama's expression instantly changed from shy to completely bewildered.

She took the thick stack of documents from Ye Hai's hands with a somewhat blank expression and glanced down at them.

Address, Chiba City, New Ward, xx..., correct.

The lender was indeed her deceased father.

The mother's name is indeed listed as a joint liable party.

“Your mortgage has been overdue for three years and two months, and you haven’t paid a single penny of the monthly payment of 181,000 yen during that time.”

“The remaining unpaid loan, plus interest and penalties, totaling 5485 million yen, has been resold by the bank as a non-performing asset to our company, Fukumi Financial Co., Ltd.”

"Of course, I'm not asking you, a student, for money. It just so happens that you're my classmate, so you can take this notice back to your family."

Ye Hai crossed his arms and spoke calmly, without adopting an aggressive attitude just because the Yui family owed his company money.

"Why has my mother never told me about this..."

Yui Yuigahama was somewhat dazed. When she saw the loan contract, she remembered that her father had taken out a loan to buy the detached house when she was still in elementary school.

"It's probably because your mother thinks the bank won't do anything to you."

Ye Hai stroked his chin and said, "After all, according to the full-time housewife protection regulations in Japan's marriage law, banks cannot take away a widow's only house, and they cannot even freeze her bank card account at will."

"In other words, she could have simply not paid it back."

Upon hearing this, Yui Yuigahama's eyes lit up. "That seems to be true."

"However, this is not absolute..."

A slight smile appeared on Ye Hai's lips.

“If your mother finds a job and resumes her status as a normal member of society, then she will no longer be protected by the full-time housewife ordinance.”

"According to our recent investigation by Deepsea Financial Co., Ltd., your mother has been working 48 hours a week at the convenience store, far exceeding the standard of 28 hours per week for part-time work."

"Meets the requirements for full-time employment."

"Therefore, we can fully conclude that it already possesses all the conditions of an ordinary person in society."

"Oh, by the way, this is a photocopy of the attendance record provided by the owner of the convenience store where your mother works. It has the owner's signature on it."

Ye Hai then handed Yui Yuigahama a piece of paper and said with a smile, "Please also give this to your mother."

"Although your mother is very careful and often changes the convenience store where she works, some things are still traceable."

"So please tell your mother that she should pay off the overdue loan within a month. If she can make up the monthly payments and penalties for the past three years in one lump sum, the mortgage contract will continue to be executed, and she will only need to pay the monthly payments in the future."

"But if we can't pay in full..."

Ye Hai's expression changed, becoming somewhat cold: "Then I'm sorry, we will file a lawsuit with the court to demand the auction of the property to repay the loan."

If banks have many concerns when doing business, then financial companies like these don't care about so much.

Just like this time, the bank found it difficult to investigate whether Yui Yuigahama's mother had resumed her social status by working full-time due to privacy concerns.

But financial companies don't care about that; they'll do everything they can to get debtors to pay back their money.

A mere invasion of privacy?