"You can have your people go to the bank and try to get a loan and see what their process is, and then transcribe that loan document from them and add some extras."
He glanced at Mr. Fox beside him, "Let's say that after a certain period of time the pledge is relinquished while still paying the full amount owed with interest, so that you can put the interest rate down on the bright side."
This practice is a variation of the way banks have always played the game, where after taking out a loan from a bank if they are not able to return the money owed in a timely manner, they send the pledge to an auction to be auctioned off.
The money obtained from the auction is used to return the money owed by the borrower that cannot be returned, and it may seem as if this is a reasonable process, but it is not.
Because the valuation that the bank puts on the pledge from the very beginning is very low and the interest rate is quite high, most people who need a loan don't actually have the ability to pay it back in the short term.
It is a simple fact that if these people could raise this amount of money within a month or two, there would be no need for them to take out loans from banks.
Since they can't raise this money, then naturally they can't afford to return the bank's loan, and the bank is able to squarely eat up these pledges.
If the lender is able to return the money in a short period of time, the bank has not made a loss; they have gained an interest in a short period of time.
Maybe that amount of money isn't very impressive in one individual process, just a few to ten percent or so of a hundred dollars, but pile all the bank's operations together, and it's not a hundred dollars, it could be ten million dollars, a hundred million dollars, or even more.
Lynch's proposal simply has an additional clause to continue to recover principal and interest than if the bank had ended after termination.
In fact, even at the banks, this is definitely not just the end of the line, they have ways of eating the lenders down to the bone!
Banks may not be as bad news in society as finance companies like Mr. Fox, but they are not inherently good or kind, and it is important to know that the boundaries in all laws and policies related to illegal payments are all referenced to the highest standards of the banks ... They are not only athletes, they are also referees!
Mr. Fox's earlier comment about certain people not wanting to see their business legalized was talking about the legislators who have ties to the banks and to the big money.
The banks, the consortiums, feed them and their families, and probably their private crews, and maintain a decent living, so it's only natural that they learn to claim rights for the masters who feed them.
Lynch's set up is not complicated at all, if you can't beat the other guy, join the other guy.
It's just that now, in order to avoid risk, some wordplay has been added to the contract to make it easier to act on some things that are between ambiguities.
After a few moments of serious thought, Mr. Fox hesitated a bit, "I'll give it a try, and in any case, thank you very much for the advice you've provided!"
Lynch waved his hand and said with a smile, "With your matter settled, I also have something I need you to do me a favor ..."
After a meal at Mr. Fox's farm, left the place with a few souvenirs, some ornaments of cow's horns, which were not really worth much, if you overlooked the gold on them and a few not very remarkable stones.
Meanwhile, Michael, who they talked about, finally met his son Michael Jr. at the Sabine City Regional Jail after a morning of applications.
Sometimes the perception that a criminal case must go through several court hearings before a verdict is actually wrong, and the process can be shortened tremendously in cases where the offender voluntarily admits to the offense.
Although the court has not yet made a final announcement on Michael Jr.'s sentencing, he has already begun serving his sentence early, which is kind of a favor to him.
In the room used to receive the families of the inmates, father and son were seated across a table from each other, and the warden, after nodding with Michael, left his position where he was supposed to be stationed at all times.
That's the way it is with rules, some people follow them, some people will break them, and the people who break those rules are often the privileged ones, or even the rule makers, and the ones who obey the rules that govern them are always the ones who have no ability to resist.
It's hilarious, but not funny.
What's even more comical is that those who can break the rules keep accusing those who can't, that they are breaking the rules, and keep adding rules in their favor to solidify their position, and the power in their hands.
"You must file an appeal at the court hearing in a few days, don't plead guilty!" , Michael looked back at the closed door of the room and continued, "I've hired a lawyer who will try his best to clear your name, don't worry!"
Michael Jr. was calm, no surprise, no anger, just peace, and he felt like his soul had ascended.
The way he looked at Michael didn't seem quite the same as it used to be either, not some of the adoration, not some of the annoyance, not some of the rebelliousness, not some of the gritted-teeth obedience.
In a single glance, he had grown so much that he shook his head, causing Michael to be a little surprised, followed by a surge of anger that rose from the soles of Michael's feet.
He lurched to his feet, leaning forward to reach out and try to grab Michael Jr. by the collar to let him know that now was not the time for jokes, but his movement was too great, alerting the guards outside the door.
The warden coughed to prompt him not to go too far, and Michael froze in his movements, forcing his anger to sit back down.
He stared at Michael Jr. with a mischievous glare, "Why?"
Michael Jr. then replied in a tone that Michael hated so much, "One of the two of us always has to be the one who will come in, you always said that I wasn't capable of bringing you glory, and lo and behold, I've protected you now!"
He said with some impatience as well, "I don't want to hear those explanations from you, whether you did or didn't do it, now that the problem happened, I admit that there was a fault on my part, so I'm making up for my faults and ..."
Michael Jr. said as if he didn't want to talk about it, "Actually, I plead guilty, it's better for you, for me, for mom, for all of us, don't dwell on these issues, think about thinking about how to reduce my sentence, I've heard from people over here that I might get nine to twelve months."
After saying this Michael Jr. stood up, he tapped the table and the prison guard walked in, he looked at the father and son, then took Michael Jr. by the arm and led him away.
Michael had understood what Michael Jr. was thinking, but had to say he was stupid because it was planting and framing!
As long as he could take care of the man who planted the evidence, this would be the end of the matter, and neither of them, father or son, would have to carry some bad name for it, but there was no way for him to talk to Michael Jr. about it right now.
He just wanted to drag it out until the truth came out, but the asshole didn't feel the same way, and even thought he was protecting Michael himself by doing so.
Unbelievable children and stupid!
After seven o'clock in the evening, Lynch returned to the second floor of the tavern after eating out, he didn't have time to look at the house in the past few days, so he was still living here for the time being.
It was right off the road, people came and went, and downstairs was a lively tavern, so it would be hard not to alert the people around the house should something happen, which, on another level, also ensured his safety.
Standing in the doorway just as he pulled out his key he froze, there were obvious pry marks on the lock hole, he gently pushed the door to the room and it opened with a creak.
A spark flickered on and off in the darkened room, and whenever it lit up, a vague face was faintly visible.
The room was a bit of a mess and looked like it had been rummaged through again, Lynch flipped a switch by the door and the dim light came on as Michael snuggled up against the wall of the cubicle and looked at him.
Lynch laughed as he walked into the room and sighed somewhat helplessly as he looked at the woefully overturned mess all over the place.
"You must not do chores around the house, so you don't realize how much of a pain in the ass it is to clean up all this stuff, draining your energy and annoying." , he bent down and picked up a couple of books and put them on a side closet, and just as he bent down again, Michael suddenly took a step in front of him and gave him a hard shove that pushed him back against the wall.
"You set up my son, Lynch ..."
Michael's fierceness didn't put in Lynch's eyes at all, he looked at Michael who was close at hand, as calmly as he did that day in the alley, "Apologize and get the hell out of here, and this matter will end here, or else you'll have to bear all the consequences on your own, just like I warned you about the other day!"
Lynch showed no weakness and went toe-to-toe.
Bullying is addictive, and the feeling that comes from controlling others will make people try again and again, such as ...masthead, although Lynch is not sure exactly what kind of hatred between masthead and Michael, but it is probably similar.
If one person had to be destroyed by this, Lynch didn't think it would be himself!