Yesterday, Brother Ma said to everyone that borrowing money is too much of a test of human nature! But the test of human nature brought about by borrowing money is not only for debtors, but also for creditors It is also an extremely oppressive test of human nature.
Because it is useless to win the court after repeatedly failing to pay the debt, watching the debtor live freely with the transferred assets is not just a feeling of discomfort for the creditor. Sometimes, it may even be ridiculed mercilessly and contemptuously by the debtor, arousing the endless anger of the creditor.
Recently, in Bai Juyi's poem, "The businessman values profit and departs, and Fuliang buys tea in the month before last", because of a debt dispute, a tragedy broke out in which a family of 3 was killed.
Below, based on three real cases, Brother Mata will tell you how serious the consequences of debt disputes are, and how should creditors avoid such tragedies?
Friends who haven't followed Brother Mata can like and follow Brother Mata. If you have a loan dispute with an amount of more than 1 million, and the appellate court is in Chengdu, then you can tell your story to Brother Mata, and it may be able to help you.
1. Killing a family of three
On April 17, #警方通报知名茶企老板一家三口遇害#的词条登上热搜, a bloody case caused by a debt dispute destroyed the happiness of 4 people, 3 families, and 1 big family.
According to the Public Security Bureau of Fuliang County, Jiangxi Province, at about 18:00 on April 13, 2024, a serious criminal case occurred in a tea shop in Jiucheng Village, Fuliang Town, Fuliang County. The suspect Wu Moujin (male, 57 years old, from Fuliang County) committed suicide after killing his brother Wu Mouqian, Wang Mouhua, and Wu Moucheng due to internal family debts.
Later, according to an interview with a Jimu News reporter, it turned out that Wu Mouqian was the suspect's brother, Wang Mouhua was Wu's former wife, that is, the suspect's sister-in-law, and Wu Moucheng was Wu's grandson, that is, the suspect's cousin. Wu also had a granddaughter in front of him, who escaped in this homicide.
It is understood that Wu was a shareholder and executive of many tea companies in Jiangxi. Some people also called Wu a former leader in the tea industry in Fuliang County. Another public information shows that Wu has won a number of honors before.
In the Weibo comments of the police report posted by Sina News, the comment with the highest likes said: "Before the deceased Wu, he was worth hundreds of millions, restricted high consumption, fulfilled debts and did not repay money, dozens of risks for himself, hundreds of risks for the company, and it was a matter of time before something happened to this kind of person, and his character was not good."
Another person explained: "The murderer was a brother, who borrowed money from the bank in the name of his brother when he was doing business, and now he has earned money but does not repay the bank, resulting in his brother being collected by the bank."
However, as of now, the official report of the police has not explained the ins and outs of the case, and the so-called non-payment of debts and borrowing in the name of the brother are both unofficial information and cannot be fully trusted. But the fact that the younger brother killed the elder brother's family of three involves three generations is indisputable.
Similarly, Lanzhou City, Gansu Province, also caught a criminal who had been absconding for 32 years because of a debt dispute on April 16 this year.
It turned out that in 1992, Wen Moumou, who was originally from Shandong, killed others because of a debt dispute, and later absconded to Lanzhou, Gansu. At the beginning of April 2024, when the police handling the case of the Qilihe Branch of the State and Municipal Public Security Bureau were studying and judging fugitives across the country, they found that the Shandong police were in Lanzhou in April 2002 to chase the suspect Wen Moumou suspected of intentional homicide online, so they immediately carried out secondary analysis, verification and research and judgment work, and quickly determined the whereabouts of the criminal suspect Wen Moumou.
Finally, Wen Moumou was finally arrested on April 16 and has now been handed over to the Shandong police.
2. The homicide of 2025 yuan
Some people killed people because of millions of debts, such as the owner of the tea ware, such as the 7.5 million debts mentioned in the previous issues, but some people deliberately killed two lives because of the arrears of 2,025 yuan.
In November 2018, Shi Mouxiong took stock of his grain, oil and vegetable store in Tianshui Town, Huanxian County, Qingyang City, and sold the remaining ingredients cheaply. At this time, the couple who ran the noodle shop next door bought flour in Shi Mouxiong's store, because the relationship was good and they were very close, so they also gave each other on credit, including rice, noodles, eggs, seasonings, etc., with a total value of 2,025 yuan.
Originally, the credit should have been repaid after it expired, but Shi Mouxiong asked the noodle restaurant couple for arrears many times, but they were all shirked by the other party for various reasons. Until March 2020, Shi Mouxiong also demanded the 2,025 yuan in arrears he was due to through video, phone calls, messages, etc.
In April 2020, Shi Mouxiong came to the noodle restaurant couple's rental house and knocked on the door but no one answered, but he first walked away, and then returned to the courtyard a few minutes later to knock on the door. At this time, the victim's mastermind opened the door and an argument broke out, so he became resentful and had the idea of stabbing the couple with a knife.
Later, Shi Mouxiong really went to the street to buy tools for committing the crime, and after coming to the victim's rented residence again, he stabbed the second victim with a knife, causing the second victim to die of hemorrhagic shock. After the murder, Shi Mouxiong left the scene and surrendered to the local police station.
In September 2020, the Qingyang Intermediate People's Court sentenced the defendant Shi Jianxiong to death for intentional homicide and deprived him of political rights for life. After the judgment was pronounced, neither the defendant Shi Jianxiong nor the plaintiffs in the attached civil litigation appealed.
In September 2021, after a review by the Qingyang Intermediate People's Court in Gansu Province, the death penalty was carried out on the basis of an execution order issued by the President of the Supreme People's Court, Shi Jianxiong, an intentional homicide.
Just because of 2025 yuan, the result was the loss of 3 lives and the complete fragmentation of 2 families. The debtor who did not repay the money paid the price of 2 lives, and the creditor who should have had a good life finally paid for his life under the punishment of the law.
3. How to break the game?
Because of debt disputes, not only paid the price of lives, but also destroyed the beauty of many families, so how can we avoid such a tragedy?
First of all, if you are not 100% sure that the other party has the credibility to repay the money, then you must not borrow, whether it is because of favors or interest temptation, do not lend money. And when you borrow money to go out, you must be prepared that the other party will not repay the debt.
Therefore, when borrowing funds, we must learn to control the total amount of borrowing, and we must not exceed 20%-30% of the current assets of the household. In order to ensure that the other party does not repay the money, it will not affect their daily life. and have a certain ability to resist unexpected accidents.
Thirdly, if you must lend out, and after the amount is determined, you must ask the other party to provide collateral when lending, and if there is no collateral, then the loan amount will be reduced again to resist possible risks.
When facing family loans, it is important to have both husband and wife sign the IOU to avoid the other party escaping the debt through divorce and other means.
Finally, once a debt dispute occurs, it is necessary to file a lawsuit in the court as soon as possible, apply for enforcement, and collect evidence of the debtor's whereabouts and assets under his name or transferred assets. Only when you work hard to find evidence can you get back your debts better and faster.
It may be helpful to provide a solution for friends who are really desperate, that is, if the court of appeal is in Chengdu, and the amount owed by the other party exceeds 1 million, and the application for enforcement has been more than 3 years, but there is still no effect. Brother Ma suggested that you can tell the story to Brother Ma and teach you to subdue the old man.
In addition, it should be reaffirmed that the courts are a place where legal fairness and justice are demonstrated, and the Court Enforcement Directorate is also faced with the reality of insufficient manpower. Therefore, if you simply hope that the court can complete everything except your appeal and help you successfully get the debt, you must be prepared for the possibility of failure.
All debtors must remember that it is not only the responsibility of the court but also the responsibility of the creditor to recover the debt. If the creditors don't take the initiative, who will take the initiative to help you? The litigation fees and compulsory fees collected by the court are not used as fees for market transactions. So, everyone must understand!
Finally, friends who haven't followed Mata Brother yet, you can quickly follow Mata Ge!