Okay. So, what did you ask earlier? I need to collect a loan. I heard you can do that. Have you filed a lawsuit?

Well, considering the legal expenses, the complexity of the process, and his shameless attitude, I thought it wasn't worth my time.

You know this is the last place you should come. The commission is half the amount you're supposed to get back.

I know, but can you really do that? That guy's a badass. I do whatever it takes to get my money back.

You're different. How on earth can you do that? That's our business secret. I can't tell you.

I chase them to hell! I'm impressed. Getting the money back from him is way more important than collecting it.

How much is the principal? It's 30,000 won.

He's one of my alumni. If I paid for the meal first, he said he'd pay it back almost a year ago.

How old are you? I look old, but I'm 24 years old. So you thought you could pay us 15,000 won, half the principal?

Except for my transportation fee, I can pay you 20,000 won. Get the hell out of here!

I mean it. Normally our down payment starts from 500,000 won. I didn't think of that.

Of course I should, because you're a pro. I'll pay for that. You'll pay 500,000 won to get 30,000 won?

Yes, I need to take that money. What's the process? Do you think it makes sense you pay 500,000 won to get 30,000 won?

You're going to spend 470,000 won. Eat something delicious with the money. I don't care at all.

He borrowed that money on May 11th, 2022 at 8:30. You're insane!

The guy who borrowed but never returned the money is insane. Why are people blaming me? Just live your life and ignore that 30,000 won.

All he needs to do is pay me back that 30,000 won. Are you kidding?

This is unfair. If bad guys like him keep borrowing small amounts of money, nobody pays it back.

To stop them, society needs a person like me. You're not wrong, but you can't be here. Get outta here.

Is it impossible if I pay you? When I get paid from my part-time job, I'll give you a down payment.

I'll give you that 30,000 won. Just go away and study hard. No, I need to get

30,000 won from that man. I don't need your money. Are you out of your mind?

He said he'd give me the money, then he never read my KakaoTalk messages or answered my calls.

So I came to him after he took the lecture. He snubbed me, saying if 30,000 won was worth it.

- So
- I should've pushed him harder. Like I was being a loser. He told me never to come to him, saying he'd pay me back the next week.

I got annoyed and that next week passed. So, in a group chat with my alumni,

I sent a message to push him: "Yoo Hyun-kyu, give my money back."

- But he didn't pay you back?
- He didn't. He stopped me from sending those kinds of messages.

And my seniors told me never to say those private things in that room. My alumni criticized me.

For being stingy and saying he'd get me something later. Is he poor? He isn't.

I saw him traveling and drinking a lot on his Instagram. He's been to Japan lately. So your story ended there?

No, I found his address and called him. But I heard it's illegal to collect a debt like that.

You even thought of that? I didn't want to break the law. Do you know you already broke a law by sending that message?

Really? You can't let people know he borrowed money from you. You're really a pro, but that doesn't matter in this case.

That guy's so persistent. I think he's going to meet me someday.

I know that guy's address, phone number, and his parents' jobs. I know where he frequents.

How did you know that? I have my own ways, like undercover work or Instagram. But I get angry when I see his face.

He has a good reputation, so I'm the one who bothers him. That's not because you're easy.

There are tons of people. Can you please help me? Save us! I'll pay on behalf of those people.

Okay. Give me his information and go back home. I'm busy. Thank you so much. I heard his father is so strict,

that he's scared when someone raises their arm during a conversation. Give me his address and number and please leave.

Can I come back tomorrow? Like, to hear how it's going, or maybe we can go see him together?

Please don't. I'll drop by when I get time. So just take my call. One more thing,

can you make him send me the money by KakaoPay? That way I'd feel better. Leave now.

Okay, who's knocking on the door like this? What the hell, Yoo Hyun-kyu?

What's wrong? You borrowed money and didn't pay it back? What are you talking about?

I heard you borrowed 30,000 won to eat meat and didn't pay it back. Is that why you came here?

I came here for that 30,000 won. I couldn't do anything because your creditor kept calling me.

Hey, isn't this illegal? How did you know my address? This is an infringement of personal data. I gotta call the police.

How can you knock on a stranger's house like this? I know why he's been doing this.

I could have been surprised, or my neighbors would complain. Open your eyes! Do you think I'm joking around?

- Why are you...
- This is because of 30,000 won. Pay him back, I will.

Right now, by Kakao Pay. Yes. Money is the problem. The creditor has lost his mind. The debtor mentioned the law, not to pay back the money.

That's why I make a living. - I sent him...
- Pay back the money you borrowed. Otherwise, we'll meet again.

This is the last one. I've seen tons of guys like you. Got no money but been to Japan?

They're not stupid enough to tolerate you. - Yes.
- Don't make any trouble. If you call the cops, your college life will be ruined.

Yes. He hired someone because of 30,000 won? Did you get the money? I just checked.

Thank you so much. I feel so satisfied. How did you get the money? He's really persistent. It's just 30,000 won.

You're at a whole different level. Was he frightened, or did he shake his body? You look scary.

You said he got scared when someone raised their arm. Did he? I acquired that information from one of my friends.

I should have looked at him. I'll send you the down payment when I get the money tomorrow.

받아드립니다 무조건

문의는 메일로 부탁드립니다 :)
nerdult1@gmail.com


너덜트

3만원 채무 회수 의뢰 및 거래 과정

채무자로부터 3만원을 빌린 후 갚지 않아 채권 회수를 의뢰함.

소송은 비용과 시간이 많이 소요되어 포기함.

회수 수수료가 원금의 절반임을 알고 있지만, 돈을 회수하는 것이 중요함.

원금은 3만원이며, 채무자는 1년 전에 돈을 빌렸음.

채권자는 24세이며, 채무자는 원금의 절반만 지불하려 함.

고액의 수수료 제시 및 채권자의 반응

일반적인 선금이 50만원부터 시작하지만, 3만원 채권 회수에 50만원을 요구함.

채권자는 돈이 필요하며, 50만원을 지불하고 3만원을 받는 것이 합리적인지 질문함.

실제로는 47만원을 사용하게 되며, 채권 회수업자는 무관심함.

채무자가 2022년 5월 11일 8시 30분에 돈을 빌렸음.

채무자가 카카오톡 메시지와 전화를 무시함.

강압적인 메시지를 보냈지만, 채무자는 3만원에 대해 무시하는 태도를 보임.

동문 단체 채팅방에서 채무자에게 돈을 돌려달라고 메시지를 보냄.

동문들로부터 인색하다는 비판을 받음.

채무자의 인스타그램을 통해 여행 및 음주 사진을 확인하고, 주소를 알아내 연락함.

채권 회수업자의 정보 수집 및 채무자에 대한 정보

채권 회수업자는 채무자의 주소, 전화번호, 부모의 직업, 자주 가는 장소 등을 알고 있음.

정보 수집 방법은 비밀이며, 채무자의 얼굴을 보면 화가 남.

채무자는 좋은 평판을 가지고 있고, 채권자는 채무자에게 피해를 주는 입장임.

채무자의 집 방문 및 채무 변제

채권 회수업자가 채무자의 집을 방문하여 3만원을 요구함.

채무자는 채권자의 지속적인 연락으로 어쩔 수 없이 채권 회수업자를 찾아감.

채무자는 불법 행위임을 주장하고 경찰에 신고하려 함.

채권 회수업자는 채무 변제를 강요하고, 카카오페이로 돈을 보내도록 함.