Chapter 2225 Professional debtor

With the foundation's intervention and Shang Ying's willingness to take the blame, Chen Mo really couldn't do anything to Shang Li for a while.

But now Chen Mo doesn't have the time to take care of Shang Li's affairs.

The ultimate showdown with the Foundation is about to begin!

Life and death depend on this!

After Chen Mo learned that the other party had gathered capital from all over the world, his pressure level was already full.

"No, something more must be done. The harm of the subprime mortgage crisis must be doubled!"

After Chen Mo returned home, he began to think seriously.

Soon, he had an idea.

First, hold a demonstration to put some public pressure on the foundation.

After all, the foundation has always been invisible before. It is semi-hidden among the people. Not many people know about it.

Last time in Ma Daguo, Chen Mo directly characterized the foundation as a "cancer for mankind" and fully exposed the foundation.

The effect was pretty good. Many of the products under the foundation's name were boycotted, and sales dropped severely.

However, in the face of the foundation's powerful crisis public relations, this effect did not last long.

Now, Chen Mo wants to contact and organize people from Hegemony, march every day to protest against the foundation, and boycott all the foundation's products until the subprime mortgage crisis completely breaks out.

This is very easy to handle.

After all, people from the Hegemony country love to parade when they have nothing to do, and hold up signs and scream non-stop when something serious happens.

Chen Mo has some connections in Hegemony over the past few years. With enough money, it will take a matter of minutes to get a group of people to pressure the foundation.

Second, find a way to make a fortune before the overlord real estate company defaults.

At this stage, the loan-to-value ratio can reach as high as 110%!

Dogs can even get a loan!

Then why not change your mind and get a batch of real estate properties to arbitrage the funds of Baguo Bank?

Of course, Chen Mo doesn't like that little bit of money. His ultimate goal is to blow up the overlord's bank!

Third, we have to work hard on the house.

There's a lot that can be done here.

Such as finding a professional debtor, such as a couple getting divorced and cashing out, etc.

Chen Mo's thinking became clearer and clearer, and he wrote all his thoughts into a ppt.

"Just leave it to He Chaoling to handle parades and real estate harvesting. She can handle such small things."

"I have to personally go to work on the house."

Chen Mo registered a shell agency company in Baguo on the same day.

This intermediary company serves people whose properties are about to default and whose mortgages are far more valuable than the houses themselves.

The operation method is also very simple. There are currently two methods to choose from:

First, when a couple divorces, one party will bear all the debts and all the assets will be transferred to the other party.

After that, the debtor mortgaged the property for the second and third times to many banks and financial institutions for cash out.

In the end, a strange phenomenon will occur in this house, that is, the bank cannot collect the loan and wants to repossess the house. Many banks and institutions will jump in to snatch it, and the ownership rights will become unclear.

The house buyer cashed out a large amount of cash and can continue to live a comfortable life with the target child.

Of course, the risk factor is still quite high. For example, if the husband becomes a debtor and gives all the cash to the wife and children, if the wife betrays him, the husband will become a dishonest person and will be unable to recover from the debt for the rest of his life. Being able to be a homeless person.

However, these Chen Mo would not let the intermediary tell the other party. After all, it was the Overlord people who were tricked, and it didn't matter what their final fate was.

The second is to become a "professional debtor"!

Professional debtors refer to people who specialize in paying debts for others. They are usually willing to be in debt for a long time at the expense of immediate high benefits, and even become defaulters of the court.

Professional debt usually takes two forms, one is "packaging loan" and the other is "bad debt".

"Packaging loans" refers to obtaining high-value loans from banks by fabricating or exaggerating the debtor's assets, occupation, personal experience, family background, social relationships and other information. "Bad debt" mainly refers to taking on debt for a company, which involves transferring the company's non-performing assets to the debtor, and then letting the debtor bear the corporate debt or non-performing assets alone through mortgages and other methods.

Generally speaking, debtors will choose old bachelors or terminally ill patients. Young people rarely take on debts. Such people need money and have no ability to repay, and lenders will have nothing to do with them afterwards.

But in Hegemony, especially when the subprime mortgage crisis is approaching in 2008, Chen Mo believes that many young people in Hegemony will also be willing to become professional debtors.

Many young people in the hegemonic country are illiterate and have no fear of going to jail.

In the last life, professional debtors emerged in the hegemonic country after the subprime mortgage crisis broke out, and banks suffered a lot from this.

If it were in Daxia, Chen Mo would never dare to do this.

But in a hegemonic country, especially a hegemonic country where the subprime mortgage crisis is about to break out, Chen Mo has no pressure at all!

Professional debtors are also the method that many people who are about to default on their properties prefer to choose.

The day after the company was founded.

After Chen Mo disguised himself, he personally took charge of the company and supervised the foreign intermediary's search for professional debtors.

Finding a professional debtor at the bottom of a hegemonic country should not be too easy!

Chen Mo had already thought of his words for the agents.

"Our business is to help people with loans, mainly mortgage loans."

“Very, very profitable!”

"The whole process only requires you to come to the place where the payment is made."

"Food and accommodation will be provided, living expenses will be paid, social security and commercial insurance will be paid for you, and I will give you a job that doesn't require you to work, and even give you a house!"

“The cost you have to pay is just your personal credit information.”

"What? What should you do if you have to repay the loan in the future? It doesn't matter. We have a loan-free agreement. If you sign it, you don't have to repay the loan. We are mainly here to help customers sell their houses and cash out.

In the end, the worst case scenario is that the bank will take possession of the house. "

If this set of words were used in Daxia, many people would definitely hesitate, especially young people. They would basically ask adults or friends who understand finance.

But in Overlord, before the concept of professional debtor appeared, this technique was so easy to use that even Chen Mo was shocked!

If it is in Daxia, Chen Mo usually chooses rural single men over 45 years old, and the big data and credit information are better. Only young people will have relatively relaxed conditions.

For single men of this age group, it is basically just a last-ditch effort, which is better than being the last one to die at home.

When a person works hard in society, there will be times when a penny stumps a hero, especially those who have seniors and juniors, or who have no hope. They are simply perfect for being a professional debtor.

There are also terminally ill patients, lonely elderly people with good credit, etc.

That’s pretty much what it means.

But in Overlord, the intermediary actually attracted many young people with good credit scores on the first day!