Confessions of a usurer: you always have to pay back when you come out to mix.

This is a true story written a long time ago. The hero of the story is Aaron, who was very active in helping people collect accounts in Guangdong. In fact, he is a usurer. However, from his story, we can also see a little loyalty of "thieves have a way". For example, the other party really can't afford to pay back the money, don't pay back the money, do nothing, and won't bring trouble to the family. On the other hand, the collectors in the case of "stabbing to death and humiliating mother", the focus of public opinion these two days, are simply inhuman. As the saying goes: if you come out and mix, you have to pay it back.

"Do you think I look like a triad?"

Aaron sat opposite us and asked seriously. He is 1.86 meters tall, big, wearing a black T-shirt and jeans, showing his thick arms, which are covered with tattoos. Aaron has small eyes. If he looks at you with a straight face, it will make people feel chilling.

In telling his story, he asked us this question more than once. This problem seems to have been bothering him. Many people regard him as a gangster and call him a "gangster" in movies. This group has been admired by many young people since the gangster film "Young and Dangerous" was released in Hong Kong 20 years ago, and it is still the case. However, in the eyes of most people, the reputation of this group of people is not very good.

Aaron collects accounts for people, but most of the accounts he collects are "dormant accounts". Basically, creditors will only come to them if they don't come back. He thinks that society needs such people. "If you know what people who don't pay their debts are like, you will feel that this industry will always exist."

We spent half a day listening to Aaron's story, and finally we were undecided about his question. "Maybe the experience is different, and existence is reasonable." I said.

1.

Aaron made his debut early. Before the age of 30, he had worked in the collection industry for ten years. The scars on his body and the tattoos covering them are proof of this experience. He said that he did not regret walking on this road for ten years, but regretted stepping into this road that year.

If it weren't for his father's sentence "Leave this home, you will be nothing", perhaps Aaron will follow the planned route at home and eventually inherit the family business like many "rich second generation". My mother died early, and my father ran a modest enterprise in his hometown in Hebei, and his family was relatively well-off. 17 years old, his father bought him an Audi A4.

"I was very rebellious at the time and went to Beijing with 5,000 yuan." Before graduating from high school, Aaron wanted to prove that he was not "useless" when he left home. He went to the nearest big city, Beijing, which is also the capital of this country. Aaron, who has never had social experience, soon spent all the money he brought out and finally had to start looking for a job to support himself.

One night, he wandered around the workers' stadium alone and met a man. "The man said, why don't you work here, with food and shelter, 800 yuan a month." Aaron agreed. This is his first job as a security guard in the workers' stadium.

These days didn't last long. Aaron always remembers his father's "malicious words", and the best way to fight back is to prove himself. But it is not easy for Beijing to live in a big place, especially a "green head" like Aaron. Aaron has always stressed that he has no education and can't do many things, but God gave him perfect height and beautiful face.

For some people, there may be only one decision to change their fate, but for Aaron, the reason why he became himself today is related to two decisions. Perhaps it is fate that the time between these two decisions is not long.

Aaron's first important decision was related to his father's words, and the second important decision was because of a strange woman's words. "She is a little old. When she saw a group of young people doing security work, she sarcastically said,' You are so tall, how much money you can earn by working here every day, and you don't go to the south to see it. Other young people have already earned a lot of money.' "

The speaker may have no intention, but Aaron heard the profound meaning. "I can't be a security guard all my life." He said.

Without entanglement, Aaron came to Guangzhou from Beijing alone. "I don't know anyone."

make one's debut

Aaron knows nothing about Guangdong and can't speak Cantonese. He thought about the woman's words and thought that he must earn more money. He remembers that his first job in Guangdong was working in a nightclub. In his view, this job really brought him into contact with the society and learned a lot of things in the gray area.

It was also while working in a nightclub that he made his first order. In street parlance, he even made his debut.

Do you remember the first time? I asked him.

"My memory is a little vague, but I remember one thing very deeply. I never cried. Then I cried when I returned to my residence. "

This is a very common thing, but it is a decisive moment in Aaron's life. An employer directly gave him a knife and some information: "Get rid of him and give you 10 thousand yuan."

Aaron didn't say the specific details, but told us that he was very excited and excited after it was finished. "This kind of excitement is not what most people understand, and you won't understand it," he said, feeling a little unacceptable.

Did you ever think about not doing it at that time?

"No." His answer was calm.

"After a period of time, you can accept it. When you come into contact with those old lai, you will know that we are doing nothing wrong, but this is another kind of justice. " Lao Lai in A Longkou is the kind of person who doesn't pay back the money. He said that in his collection career, there was no one who never paid back the money. "It's just a matter of how much."

expand

After collecting the accounts, he got a high income, which made Aaron start to change. In his words, it is "inflated and arrogant."

Most of the accounts taken by Aaron and others are debts recognized as "dormant accounts" by creditors, so in this industry, profits are determined by the people who collect the accounts, and sometimes there are even cases of black eating black. For an account as high as 5 million, maybe only 500,000 can be returned to the creditors. Only the collector knows how much money will be paid back.

Aaron thinks such a rule is reasonable. "We are taking our lives to collect debts. You never know if there will be another chance."

From 800 yuan's monthly salary to tens of thousands or even hundreds of thousands of income per order, this change makes Aaron become arrogant. He practiced Sanda when he was young, and with a good mind, he quickly won the trust of his boss and more and more money was in his bank card.

"Many people who come out with me can't earn tens of thousands of dollars. At that time, I already had four or five hundred thousand yuan. Can I not expand? " He lit a cigarette and said slowly.

Aaron only has eyes for the boss and no one else. He doesn't think it necessary to associate with those people too much. But an experience of collecting accounts made him aware of his own problems.

"I took a few people to collect. I cut people in front, and the other party called people, but no one helped me. I fell, and others ran away. "

After this incident, the company boss talked to Aaron. I must give you a hand, said the boss. He took out a bank card and asked Aaron, do you know how much money can be deposited in the bank card?

Aaron only has one bank card, and it's the same card. His boss only has a bank card. "His assets have reached hundreds of millions." The boss told him that money can never be earned, but brothers are different. You can't do anything without them.

The boss gave Aaron a chance to start leading the team. "If there is no team, it is absolutely impossible to fight alone." Now Aaron's team is still in Shenzhen. As long as he says a word, they will follow him wherever he is.

retire

Why did you come to Sichuan from Guangdong?

"Want to hear the truth?"

The truth.

"Afraid."

Aaron didn't have a tattoo before, but he sat in front of us, covered in tattoos. "Who wants to tattoo this thing? What will others think when they see you like this! " His tattoo is to cover up the scars, whether on his arms or back, they are all scars drawn by experience.

Ten years ago, a rebellious and ignorant teenager came to the south from the north. After all kinds of fighting, he has now become a dragon in front of us.

Aaron began to get bored and decided to leave this circle, because something happened to him recently, "almost killed me." A group of people found out where he lived, and breaking into the house was a slap in the face. There is still a knife hidden in his room, but he is outnumbered. The house is on the sixteenth floor, so he can't jump out of the window and escape.

Finally, he fought alone, fled from the stairwell to the security room of the community, and finally recovered his life.

"Someone has been eyeing me." Aaron said that in their industry, people generally don't know their whereabouts, whether they are mobile phones or cars they drive, they will throw them away directly after completing the task. "It is very dangerous for a collector to be targeted by others."

The experience of being hacked is not this time. He counted his scars, and behind them were painful experiences, scars and gun marks.

Once Aaron took his brothers to a company to collect accounts, and the boss of the company was heavily in debt. When they met the boss, the other party was very polite, told them to wait and went out to withdraw money by themselves.

"An hour later, a group of people in black came in with guns and pointed them at our heads." This is not the most serious. The crowd told Aaron to squat down, and Aaron did. "I squatted down to black, and then the boss returned the money. By the time we knew it, the group had already left. "

Aaron said that the night watchman didn't inform him in time and there was something wrong with the walkie-talkie. I didn't know that the other party called someone and brought a gun. Finally, when they chased a man for revenge, he ran into a village and they stopped chasing him.

On another occasion, the debtor was an ordinary family. He took his brother to ask for the bill, and the other party said that he went home alone to get the money. Aaron looked at each other very ordinary and didn't care, so he followed.

"Just arrived at the door felt something was wrong. After opening the door, I started running. I fired two shots in the back and hit me in the back. " Aaron said that if he hadn't run fast that time, he might have died.

I asked him if he had any regrets after each injury. He simply said no. But the last time he was assassinated in his home on the sixteenth floor, he was really scared.

For a while, Aaron once had this idea, and even went back to his hometown in Hebei to open a tobacco hotel with his ex-wife, but he finally returned to Guangdong.

"That kind of life is too boring and doesn't make much sense."

You decided to wash your hands of it this time?

"quit, I still have the youngest in my family, and the times have changed."

During his convalescence in Lijiang, Along met a girl from Sichuan. They got together and they had a child. He hasn't paid his bills for more than a year, and now this industry is getting worse and worse. There are still gray areas in Guangdong, but in Sichuan, this method is definitely not acceptable.

"There are monitoring everywhere. You may go to prison before you do it. "

5. Morality

In the movie Young and Dangerous, the word "morality" is the most important. Aaron said that they also pay attention to this in their work. It is not only the morality between brothers, but also the morality to creditors.

There is a head for grievances and a master for debts. The collector will only target the debtor and will not accumulate family members. So I asked him if anyone was after his family, and he said no, no matter his father, ex-wife and children, they were all living their own lives, and no social person had looked for them. His father didn't even know that he had been on this road for ten years, but he just went home to buy something for his father every New Year.

"Without morality, it is difficult to get along in the street." He said.

The creditor who shot him, and finally Aaron went to get revenge on him. "I've been looking for him for two months, and I won't do it if I'm not sure."

Years of experience have made him cautious and sensitive, and he has gained some fame in the industry, but he will never have a bright future in the company. He thinks that the bosses of the company are the real underworld, and they are just a pawn in the hands of the boss. They won't let us go out, and Allen knows it very well.

Back to reality, even if this way of collecting accounts is moral, it still won't work. "You can't even threaten, you can only negotiate amicably." Aaron insists that just as there are rivers and lakes where there are people, there are debts where there are people, and people like them will be needed where there are debts.

Aaron has been exposed to many ways of dunning, including a group of old men and women who stayed awake for several months accompanied by debtors. Someone recruited a group of people with AIDS and other diseases to threaten, but it was still useless. "I still have to shoot in the end."

Aaron will squint at you when he doesn't talk. If you interrupt him, he will repeat "hear me out", just like an old man recalling his years, but he is not yet thirty. These experiences left marks on his body and face. He has short hair and is a little fat. Colleagues say he is a bit like Yun-peng Yue.

He talked with us very cordially and didn't hide anything, but we met for the first time and may never meet again. He said he was honest because we were introduced by friends. Once he trusted a friend, he would trust him very much.

Now Aaron has left Shenzhen and started a new life. I asked him if he would not be used to the previous state. After all, he thought about it before, but it turned out to be impossible.

"Who knows, people like me may have a way out or no good end."