In my last life, my sister loved her husband so much she gave him everything. While my brother-in-law was starting his business, she frantically took out loans, racking up massive debts to support his company. She was deep in debt herself. My brother-in-law praised her as the best wife in the world. To pay off her own debts, she and my mom stole my identity information to get illegal high-interest loans. Later, the debt collectors showed up at my door. All my assets were stripped bare, but it still wasn’t enough to cover the deficit. My parents blocked me and even publicly disowned me on social media. Seeing this, the debt collectors forced me into sex work to pay off the debt. I contracted an STD, and in a daze, I was hit by a car while walking at a crossroads. Reborn, I found myself back in my brother-in-law’s second year of starting his business… My brother-in-law was visibly ecstatic today. His huge financial problem was finally solved; he was grinning from ear to ear. I watched him hug my sister, spinning her around excitedly, then gently kissing her. When David looked at Scarlett and said, “Honey, I really can’t thank you enough. It’s all thanks to the loan you secured,” my heart clenched. In my previous life, Scarlett’s debt grew so huge she couldn’t pay it off. She played the victim, getting Mom to spin tall tales and make empty promises, urging me to help her get a loan. When I refused, she stole my identity to take out more illegal online loans. It wasn’t until the debt collectors found me at my workplace that the world went dark as I heard the amount. All my assets eventually went to paying it off, but it still wasn’t enough. When I begged my parents for help, I only got a lecture and then they blocked me. Seeing they couldn’t squeeze any more money out of me, the debt collectors, desperate, forced me into prostitution. To pay off the debt, I had to take clients non-stop every day. I was forced to take on clients with special fetishes that even experienced sex workers wouldn’t touch. My body was abused until there wasn’t a single good spot left. I wanted to die, but even that wasn’t an immediate escape. My brother-in-law only cared about getting the company started. He didn’t worry about subsequent funding at all. He just spent a few thousand to rent a place and buy office supplies when he first opened. My sister, with only her husband on her mind, was obsessed with the fantasy of him starting a company and striking it rich. Whenever David frowned and sighed, “Company funds are tight again!” she would keep taking out loans to support his company, burdening herself with mountains of toxic debt. This time around, someone else can be the chump in that deep pit!
My brother-in-law truly wasn’t cut out for running a company. The money Scarlett had borrowed before was nearly gone in less than six months. David had been sighing a lot lately. That day, Scarlett came home and, before even sitting down for dinner, started crying to Mom about David’s company needing money, and how she’d already poured all her savings into it. Mom, feeling sympathetic, quickly wiped away her precious daughter’s tears. “This company has been open for three years now, wasn’t everything supposed to be fine? Why is it short on cash now?” Dad chimed in, “Can’t David’s family chip in?” David looked annoyed. “My mom did say she’d support me, but Scarlett said this is ‘our’ family business, and she insists on finding the funds herself!” With that, he turned to leave, glaring at Scarlett. “I told you we shouldn’t have come!” Scarlett quickly stood up and grabbed David. “Honey, don’t be mad. Mom and Dad didn’t mean it that way, right?” She looked pleadingly at our parents. “Mom, tell Chloe. Chloe’s a government employee, everyone says she’s a shoo-in for a loan.” Mom immediately shot a glance at me. “Chloe, can you help your sister? Your brother-in-law’s company will pay you back as soon as it makes money!” I quickly interjected, “Mom, how can I? I just started my career, I barely have any assets. How much could I possibly borrow?” Scarlett nudged David, who reluctantly spoke. “Chloe, you just need to put your name on it. We’ll handle how to get the loan and the monthly interest ourselves. We’ll even give you five thousand as a finder’s fee.” Hearing that, I almost burst out laughing. Mom still acted as if I was getting such a great deal. “Chloe, look how much your sister and brother-in-law are looking out for you. You just need to get a loan, and you’ll get five thousand. Isn’t that better than your job?” The whole family nodded in agreement, as if getting a loan really wasn’t a big deal. Yeah, Mom was always like that! When Scarlett fell as a child, she’d anxiously call her ‘precious girl,’ but when I fell, she’d complain I couldn’t even walk straight. In my previous life, even though I didn’t agree to the loan, Scarlett still convinced Mom. Together, they took my ID and secured countless illegal online loans that I could never repay in my lifetime. I knew that if I refused outright now, the result would be no different from my last life. I pretended to gather my courage and spoke. “Mom, of course, I’m willing to help Scarlett and David.” Seeing Scarlett sigh in relief, I added with a worried look, “But what if they can’t pay it back? I’m still on the same household record as you. If the debt collectors come looking for us, they’ll come for our whole family. I heard those shady debt collectors can be really brutal.” Hearing this, my parents looked at Scarlett. “Loans indeed require caution. How about it, Scarlett, let’s call Eleanor over first, and we can all talk it over.”
I knew my parents’ thoughts too well. Unless it directly impacted them, they wouldn’t budge. Because Scarlett was the first child in the family, Mom already showed her favoritism. I, on the other hand, was unwanted from birth. Originally, Mom wanted to try for another child, but by then her body wouldn’t allow it. So, she expected Scarlett to marry into our family, to stay home, to stay by her side. My sister and brother-in-law’s relationship was initially disapproved of by our family. He was from out of town and from a single-parent home, with his elderly mother relying solely on him to carry on the family name. Who knew my sister would be so utterly blinded by love for her husband? She took out mountains of debt for him to start his company, telling our parents that her husband secured the investment through his own capabilities. Our parents just went along with it. Who knew that after only three years, such a massive bombshell would drop? The company turned out to be a total sham. My parents still bragged proudly to everyone outside every day about their son-in-law running a big company and making tons of money. And now, they were whining about being broke and demanding solutions. My sister was great at manipulating Mom. She didn’t directly ask for money, but rather pressured our parents to make me get a loan. In my previous life, I was just a mute, only capable of refusing. This time, with myself and my family tied together in this mess, I wondered what my parents would choose?
Scarlett’s desperate juggling of debts, robbing Peter to pay Paul, finally defaulted. Scarlett was frantic, pacing back and forth. The moment I heard the news, I rushed to her place with Mom and Dad. Entering the apartment, I saw Scarlett’s mother-in-law, Eleanor, sitting in the living room, seething with indignation. “You’ve finally arrived! Look at this huge mess Scarlett has brought upon our family! How are we going to fix this?” I walked into the bedroom to see Scarlett. Her eyes were red and swollen as she sat on the edge of the bed. Scattered glass shards lay on the floor nearby. Clearly, there had just been a fierce argument. “Scarlett, what happened? Why is there so much broken glass on the floor?” Scarlett looked at me, then glanced towards the door. “David threw it…” “Why? Because of the debt? Weren’t you doing all this for him?” “Ugh, it’s all because Mom and Dad called David’s mom over. David and I had a huge fight!” In my previous life, by this point, she would have already convinced Mom to steal my identity. Then, she would have used the borrowed money to pay off the debt. But I would be the one to suffer the bitter consequences of the unpaid debt. I turned and walked out of the room, pointing angrily at David. “David, if it weren’t for you, would Scarlett be drowning in all this toxic debt? How could you argue with her and even smash a glass?” Mom jumped up in alarm. “What toxic debt? You said the company was just having cash flow problems, David! What’s going on?” David watched Mom freak out and just threw caution to the wind. “Running a company is never smooth sailing! Scarlett voluntarily took out loans to keep my company running!” His mother, Eleanor, added fuel to the fire. “Those were all Scarlett’s unilateral, voluntary actions! They have nothing to do with my son!” “Don’t even think about it!” I shouted. “Debts incurred during marriage are considered joint marital debts, David. I don’t need to explain this, do I?” To my surprise, David didn’t flinch at all. “That’s true, but most of the debt Scarlett accumulated was before we got married. As for the post-marriage portion, half of the $300,000, my mom and I will figure it out.” I truly hadn’t realized my sister was so utterly blinded by love, borrowing money even before marriage. “Son-in-law, I need to discuss what you’ve said with Scarlett’s father! We’ll come back tomorrow!” With that, Mom gave me a look and pulled Dad out the door. She didn’t even step back into the room to see Scarlett. Mom’s reaction was both expected and unexpected. It turned out they didn’t really love me. In the face of their own interests, they loved no one.
Just as I expected, Mom didn’t go to Scarlett’s place. But her not going didn’t mean trouble wouldn’t come knocking. Scarlett had been waiting for Mom to come clean up her mess all morning, but she waited and waited, and no one showed up. She stormed into our house, burst through the door, and started sobbing the moment she saw Mom. “Mom, you have to help me! David wants to divorce me now and won’t take responsibility for my debts. If this continues, I’ll die!” Yes, you will die if you don’t pay your debts. Are you just realizing that now? In my previous life, you dumped all these debts on me. Did you ever consider if I would die? After all, she was still the precious daughter Mom had cherished for so many years. Seeing Scarlett like this, Mom’s heart softened a bit. “I do want to help you, but how much more do you need? Your father and I don’t have $300,000.” Mom must not have understood that day, thinking Scarlett only needed to cover the remaining $300,000 in debt. Scarlett stammered, “Mom, it’s not $300,000. With interest, it’s $1.3 million now!” Mom’s face turned red with agitation. “What?! $1.3 million? You borrowed this much money behind our backs?” Scarlett looked at Mom, agitated, and dared not speak, just cried. At this point, Dad finally spoke up to defuse the situation. “Scarlett, this amount is too large. Let your mother and me think of a way. You go home today, and try to stabilize David. After all, he has such a big company running, there must still be some money coming in.” Seeing that the shock to Mom and Dad was indeed too great today, Scarlett wiped away her tears and went home.
A massive debt of $1.3 million! In our small town, even if we sold our house, it wouldn’t be enough! “No way, I’m going to Scarlett’s place to talk to her mother-in-law. After all, they were married, and her son spent all that money. Now he wants to just wash his hands of it!” With that, she dragged Dad out like a whirlwind. I don’t know what Mom and Scarlett’s mother-in-law discussed, but when I got home from work, I found Mom surprisingly calm. “Mom, how was it today? Is Scarlett’s debt problem solved?” Mom glanced at me, as if she had something specific to say but then said nothing. “What good could David’s mother say? All she did was push blame!” That night, just as I fell asleep, I felt a rustling sound in my room. I jolted awake. “Who’s there?!” The person seemed startled. “Chloe, it’s Mom. I came to see if you were covered properly!” She then said, “You’re sleeping soundly, so I’ll leave,” and quietly exited. So, you finally came, Mom. My heart finally settled, and a sense of liberation washed over me. After a while, I quietly got up and crept to my parents’ bedroom door. “This vile little wretch, I don’t know where she hid her ID. I just couldn’t find it. What are we going to do?” Mom complained to Dad, agitated, “If we can’t borrow this money, Scarlett is finished! Chloe, that vile little wretch, she has no family feeling at all!”
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