"Come to my office …"
Jorriman, who didn't even have lunch, went straight back to his office. Compared to the documents in his hand, a 39-yuan steak couldn't distract him at all.
Two minutes later, a well-dressed middle-aged man with a lawyer's badge on his chest came in.
Any law major student who successfully graduated from the academy and obtained a lawyer's certificate would be able to obtain such an "entry badge".
Although it was only a "beginner's badge", even the top lawyers in the Federation would wear it every day. It was a symbol of their status, and also a kind of nobility of another kind.
"Naf, come and take a look at these documents!"
When Jorriman left, Lynch took the initiative to give him two pledge agreements and prepared copies of other documents, which made Jorriman think highly of Lynch.
There was a saying that was very true. Everyone had opportunities, but not everyone could seize them, and not everyone was prepared to face them.
Not everyone could seize it. Most people understood that 95% of the people were still mediocre. In their mediocre lives, there were always a few opportunities to change their fate. It was just that they couldn't see it and couldn't seize it.
People understood the middle sentence, but they didn't understand the last half. Sometimes, when you seize an opportunity, you think it will change your life … Of course, it is.
That was only if you were prepared. Opportunity would give you the wealth, status, and prestige that corresponded to your greatest ability. In the hands of these people, Opportunity was like a woman who was as gentle as water!
However, if you were not prepared, the opportunity would hit you head-on like a train. There were many stories in the world of people who had their families ruined because they 'seized the opportunity'.
Opportunities will definitely change people's fate, but not only good, but also bad.
Lin Qi was prepared and could even create opportunities. Jorliman had seen some people like this before. With his status, it was enough for him to meet some of the local and even some of the celebrities in the surrounding areas. He saw the shadow of these people in Lin Qi.
Ambitious and ready (like a hunter hiding in the dark, ready to attack at any time), such a person could hardly fail. This was why Jorriman was willing to give Lynch a chance.
No one would dislike having too many good interpersonal relationships. As long as people lived in this society, they couldn't avoid these.
The guy called "Naf" was a member of the legal team of the Jinhui Bank in Saibin. The bank had a large number of cases to fight with others every year. It was too extravagant to hire a lawyer every time, so they directly cultivated their own legal team to save money.
Naf carefully looked at the documents in his hand, not missing a single symbol. He also took a piece of paper to record some of his own opinions or a certain label.
About half an hour later, he let out a sigh of relief, organized the documents in the order he browsed, put them on the table, and then looked at Jorriman.
"Is there a problem with these documents?"
Jorriman took out two Pure Color, real Pure Color, and handed one to Naf. Naf took it after thanking him.
He replied as he cut the paper, "There is no problem. This pledge agreement is based on the loan agreement we currently use, with some additional terms added."
"Two of them are very interesting. The first one is that within a short time after the agreement is signed, if the borrower can't pay back the money, not only will he have to give up the pledge, but he will also have to pay back the principal and interest."
There was an inexplicable smile on his face. "This should be a new agreement from the finance companies outside. They never used this kind of thing before!"
Naf had a cynical look on his face. He looked down on the finance companies outside, and Jorriman did the same.
In the past, Mr. Fox only asked people to write an IOU when he gave out aid. If it was a resident on the street, he didn't even need to write an IOU. All this changed because of the arrival of Lynch.
Jorriman nodded. Naf then moved on to the next one, "I noticed a line in their additional terms …" He pointed it out to Jorriman. It said that this agreement was signed voluntarily without coercion under the witness of a third party. The name of the third party and the signatures of the three parties were also listed.
"This is a very tricky clause. From my point of view, it's problematic. When a person needs money, they will sign any agreement as long as they can get it."
"In the eyes of the law, this situation should be considered a situation of being coerced and dominated, but it has the effect of the law. You can feel the conflict and contradiction, but you can't ignore it. The guy who came up with this idea is a genius!"
When a person urgently needed a sum of money, he would fall into a passive and vulnerable state. Naf's words about being dominated and coerced were not completely wrong.
Those people would do anything in order to get a sum of money as soon as possible, let alone write such a statement. Therefore, from a subjective point of view, this statement was obviously an unnecessary attempt to cover up the truth.
But it was valuable in the eyes of the law, because the judge would not consider what the borrower was thinking at the time, and the lawyer would not give the borrower a chance to have a meeting. The lawyer would only ask the borrower if someone threatened them with a knife, a gun, or any other weapon, if they were conscious, if they knew what they had written down … Well, it worked.
"Do you mean that we can also use it in our agreement?"
Jorriman asked. Naf nodded, "Very good, report it to the branch and let them study it."
He paused, "Go on!"
After releasing the two pledge agreements, Knaff picked up the other documents, "The other documents are all official documents and have legal effect. However, there are some counter-clauses in the additional terms of Gaitnau Financial Company entrusting Dyson Asset Management Company to take full control of their assets..."
He then pointed out a few of them and briefly explained them, but both of them knew that these things were essentially worthless. You couldn't expect the people of the financial company to go to court all day.
Their value was only legal, and they did not have executive power. Compared to executive power, perhaps the subordinates of the financial company were better.
"I mean, is it legal for Dyson Asset Management to manage and dominate these agreements and their contents?"
Jorriman asked the question he was most concerned about, although Naf had explained it once before.
"Yes, sir, before the counter-clauses take effect, Dyson Asset Management legally owns these 'assets.'"
Jorriman asked further, "Including mortgaging these pledge agreements?"
Naf was stunned for a moment. He immediately realized why Jorriman, the manager of the credit department, would let him see these documents. About two or three seconds later, he nodded, "At least this is the law of this state. If you need information from other states, I can apply for legal aid from the branch."
Jorriman waved his hand, stood up, and stretched out his hand. Naf also stood up and fastened his clothes, "No, thank you for taking the time to help me look at these things …"
"It's my duty!"
Naf saw Jorriman's outstretched hand, immediately shook it, and took the initiative to say goodbye.
After sending Naf away, Jorriman closed the door and looked at the documents on the table with a smile on his face.
According to Lynch, he had a loan agreement worth millions of dollars. No, it should be countless loan agreements. He had already realized that when Lynch got the money, it was the same as Gaitnau Financial Company getting the money.
What would a finance company do after getting the money? Of course, they would continue to help the citizens who were short of money. This would become a snowball, rolling bigger and bigger.
As long as the bank set up risk control and ended the power period before the counter-clauses of the pledge agreement took effect, they could avoid all risks, and the risks would be borne by the two parties themselves.
One party was Dyson Asset Management, which acted as the middleman, and the other party was Gaitnau Financial Company, which was the "front company." The bank, including Lynch himself, had minimal risk.
The only one in real danger was Dyson Asset Management. In the view of the finance company, this agreement could not stop them from continuing to collect debts, but the problem with the agreement would become a bad debt for the asset management company. They could even evade taxes in this way and hide a lot of money!
However, this had nothing to do with him. He stood in front of the window and thought for a while, then returned to his desk and picked up the phone, "… What's the reward for the best performance this year?"