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Lin Fan just slapped the table and said in a firm voice, "If I say to do it, you'll do it. Understood?"

Seeing him lose his temper, Xia Liu quickly changed his tone, "Alright boss, we'll negate these debts, we'll do it."

As he said this, he also picked up the two spirit stones and handed them off to one of the thugs who ran off with them.

Lin Fan wasn't worried seeing this since he knew that this thug was going to exchange this spirit stone for iron coins, which was the currency that was used in this slum city.

Spirit stones were useless for people like Duanmu Hua Yu who lived on scavenging day by day since they had no way of converting it and the life energy contained within was too little to help his cultivation. However, that wasn't the same case when it came to Xia Liu.

With a bit of power in this city, he had his channels to sell spirit stones and convert them into iron coins.

But it also showed how rare spirit stones were in this city since just two low grade spirit stones were enough to pay off all these debts.

However, Lin Fan's changes didn't stop there as he said, "From now on, we will no longer force people into taking these loans from us. We will only take loans with people who are willing to take loans."

Once again, Xia Liu's face fell as he said, "Boss, if we do that, we won't be able to find any business at all…You should know what kind of business we run here and there's no one that will be willing to take a loan with us unless they have no other choice…"

Lin Fan nodded and then said, "But that doesn't mean that there isn't anyone willing to take this loan, right?"

Xia Liu was about to say something, but then he fell into thought as he suddenly realized something.

After a while, he suddenly asked, "Boss, do you mean?..."

Lin Fan nodded and said, "I'm sure that you know some people already."

Xia Liu nodded in response, but then he shook his head and said, "No, but those people won't be willing to pay this money back. Unless we force them, we'll never see that money again."

Lin Fan then asked, "How strong are those people?"

Xia Liu knitted his brows and said, "A lot of them are in the Peak Fragmented Soul Realm like me. There's even a few of them who have reached the Embryo Soul Realm."

Lin Fan asked again with a smile, "Do you think that they'll be able to beat me?"

Xia Liu still had knitted brows for a few seconds before suddenly revealing a look of understanding as he realized what Lin Fan meant.

That's right, there was this new boss of his.

With his strength, would it be possible for those people to avoid their debts?

If they did try to void this debt, they would suffer the same fate that he had just suffered at the hands of Lin Fan.

As this thought passed through his mind, Xia Liu couldn't help revealing a faint smile.

To be honest, there was a bit of bad blood between him and some of those people, so the thought of them suffering did make him happy.

Lin Fan could see that Xia Liu understood what he meant, so he said, "I'll leave it to you to get them to take loans with us, I'm sure you know what to do. Remember, the higher the loan, the better. Don't forget to secretly raise the interest as much as you can, I'm sure that they won't even bother reading the contracts."

Xia Liu revealed a bright smile and said, "Boss, you can leave everything to me. I definitely know how to take care of this."

Lin Fan gave a satisfied nod before standing up to leave.

However, before he could, Xia Liu suddenly stopped him by standing in front of him.

Lin Fan looked at him with a confused look and asked, "What is it?"

Xia Liu hesitated a bit before saying, "Boss…It's just that we don't have enough funds to charge them as much as we can, so…"

Lin Fan nodded to show he understood and he pulled out five more low grade spirit stones to put on the table before saying, "Use that for now and if it's still enough, you can come back to me for more. I'm sure that you won't need more right now at least, right?"

Xia Liu quickly took the five low grade spirit stones and said with a smile, "Of course, of course, I'll take care of everything."

Lin Fan gave a nod before he walked out of the building.

As he left, Xia Liu couldn't help revealing an excited smile as he thought about Lin Fan's plan.

Lin Fan's plan was very simple. Their business would no longer force normal people to take large loans that had insanely high interest rates, like the one Duanmu Hua Yu had been burdened with. After all, those people didn't have much money to begin with and even by selling off their organs or using other ways to get money back from these people, they didn't really earn that much.

Instead, they would be targeting the people in this part of the city that actually had money.

There were other gangs in this part of the city apart from Xia Liu's group and they were the ones that had the money.

Before this, Xia Liu never did any business with them since he knew that he wouldn't be able to afford doing business with them.

It wasn't that he was afraid since he was as strong as their bosses, so in a fight, they wouldn't be at a disadvantage. However, that meant that they also wouldn't be at an advantage in a fight with them.

All in all, it wasn't worth it to do business with these gangs before.

But now Lin Fan's plan was to offer these gangs loans with high interest so he could collect a large amount of money from them.

The gangs didn't know about Lin Fan and they only knew that Xia Liu was the leader. So while they would be confused, there was no reason for them not to take this loan.

After all, after they received the money from Xia Liu, it wasn't as if they had any intentions of paying off the loan.

There were no proper authorities to report this matter to, not to mention that this was pretty much an illegal loan shark contract to begin with. So that was why Xia Liu had never offered this kind of loan to the other gangs before.

Even if he did offer it, he had no way of recuperating his money since he wouldn't be able to get a single cent from these other gangs. That was unless he was willing to shed some blood to get it.

But that was all different now that he had Lin Fan behind him.

While he wasn't able to beat up all the other gangs, that wasn't the same for Lin Fan.

Just like how Lin Fan had completely wiped out their gang in just a single move today, he was certain that Lin Fan would be able to do the same with the other gangs. As long as they had a justified reason to attack, it would be easy for them to wipe gangs out without drawing backlash from the other gangs.

So that was why they were going to start offering loans to other gangs.

They would use the reasoning of these gangs not paying their debts to attack them openly and then subjugate them. They would completely defeat them and take everything that they owned.

At that time, what would the cost of the loan even matter to them. They would earn their money back countless times from the properties that these gangs owned.

Of course, eventually, they would attract enough attention that multiple gangs would attack them, but Lin Fan had certainly already thought of that. While Xia Liu didn't know exactly what Lin Fan's plan was, he knew that he didn't need to know.

He had seen Lin Fan's power and that was already more than enough for him.

So all he needed to do was set the trap for these gangs.

The first thing that he needed to do was choose a few targets for them to attack.

It wasn't good for them to offer loans to all the different gangs at once since it would mean fighting a much larger fight that they wouldn't be prepared for yet. So for now, Xia Liu just needed to choose a few prime targets to attack first.

Of course, that didn't mean that he also couldn't settle a few grudges while he was at it.

Even if these gangs were to suspect something, they would still take the loans in the end since they had no scruples about taking free money. It was just too bad that this would be the last thing that they would do before they were destroyed.

Xia Liu quickly went through a list of the different gangs that were in the area and after going through that list for a bit, he finally picked out a few names.

He wrote a few letters before having his subordinates run off with the spirit stones and those letters.

He had already spread the bait, now all he needed to do was wait for the fish to bite and then he would be able to harvest them.