Cash Crop Page #4

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Now you have to pay.

What are you going to do?

Kill us?

We don't have it!

Let's not discuss

consequences.

Let just focus on how you're

going to get my money back.

Good food, Leslie.

Better if it was meat,

but good all the same.

Sam cooked it.

Real domestic, yeah, Sam?

Okay, there's something I need

you both to do for me now.

What's it?

I need both of your personal cell phones.

Get it.

Thank you.

Leslie, could you go to the kitchen

and ring your phone, please?

Yeah.

I noticed another jack.

Where does that one lead?

In the bedroom.

Can you bring the phone

from the bedroom, Leslie?

- Yes

- Thanks.

We're coming to the tricky part

of this recovery action here.

And I want to keep

it private, don't you?

We're getting to a place now

where you and Leslie...

have to dig into your own pockets.

And you know when that happens people

want to make call to somebody.

Strange thing.

Human nature, I guess.

They always want

to make that call.

Now, why don't you two tell me your

plan in getting the rest of my money?

We don't have a damn plan.

We can sell the Range Rover,

it's worth about $ 70,000...

sell new furniture and I don't know,

borrow the rest from friends.

Just to borrowing from friends, good luck.

The Range Rover, okay.

But the furniture, no, it takes too long.

I'm giving you five days

from right now.

And if we can't do it by then?

No consequences in advance.

You learn consequences

only when a line is crossed...

and a decision is made.

Oh yeah.

It's in pretty decent shape.

- I'll give 47 for it.

- What?

Wait a second,

what are you talking about?

We paid almost $70,000

a week ago, cash.

Yeah, yeah.

No.

You see, I sold you a new vehicle

and you brought me back a used one.

It's only got 190 miles on it,

for Christ's sake.

Tell you what I'm going to do,

and it's my best deal ever.

I'll give you $53,000 for it

and I'll throw in the old car for you.

How does that sound, huh?

Can you deliver it in cash?

So $ 53,000 from $78,298...

leaves an outstanding deficit

of $25,298.

Can't you just give us a goddamn break?

Do you mean,

I'll assume your debt?

The answer is no,

I won't.

Look, we can't get any more.

You still own a house.

God dam nit, Leslie!

You are not getting our house, bastard!

I don't want your house, Leslie.

I was thinking

more along the lines of...

cash refinancing.

No.

Not our house.

Will we stop this crap now?

This sh*t has gone far enough!

Sam, this f***er is full of sh*t!

What can he do

in broad daylight?

Let's just get out, Sam, walk away.

Get out the damn jalopy.

Leslie, you make

a decision now...

and you live with the consequences after,

remember that?

F*** you.

It is an idle threat, Sam.

That's all, he's bullshit!

Get in the car, Leslie.

- He's bluffing.

- Get in the car.

He's a damn bully.

We can walk away.

- Let's go.

- Let's call the police.

Where?

Where the house is financed.

Mr. and Mrs. Phelan, is it your

wish that this gentleman be privy...

to your personal financial affairs?

Yeah, sure.

Why the hell not?

What was the original purchase

price of the house?

The original purchase price

was $200,000.

Purchased when?

Five years ago.

What is the amount

of their monthly payment?

$647.70 a month.

Term of loan?

How much down?

Well, 10%,

$20,000.

So, if down payment being the same as equity...

they day they bought the house

that's $20,000 equity...

- And still have that amount today, yeah?

- Well, yes, technically, yes.

They've been paying monthly

payments, faithfully...

for the last five years...

which comes to $38,862, right?

That's correct.

So, discounting interest,

they've paid down about $13,000...

and a mortgage debt,

is that right?

Yes.

That's just about right, yes.

So they still owe $167,000.

Now, during these past five years,

the property has appreciated.

Well, yes, of course.

But we can't be certain on how

much without an appraisal.

Yeah, nevertheless, it has appreciated.

Let's use a conservative figure,

say $20,000 over five years.

That sums easily to what?

$4,000 per year.

I would say that's optimistic

would you?

No, that sounds reasonable.

Okay.

So, discounting appreciation

with their original down payment...

they have $53,000

equity in the house.

And as such, I see no reason

why this institution...

should not lend them a

$25,298 they seek...

less than half

their existing equity.

Well, I...

We quit our jobs.

- You're unemployed?

- Yeah.

Are you familiar with the

Newer Dock Home Equity Loan?

Yeah, of course.

Yeah?

You see, the Newer Dock requires

no employment, no income or assets.

Lenders do not verify any information

beyond the credit profile

- and value of the property.

- Of course.

The Phalanx have equity.

They could easily get

a loan equal to 80%.

Well, I don't know that this bank

has ever issued a New Dock loan.

I don't know that we can do it.

Their credit rating...

Listen...

I think you're missing

a big opportunity here, Mr. Dink.

It's Dale.

- Mr. Dale.

- Yeah, whatever.

We could go elsewhere for the money...

and I'm sure your branch manager

would be very unhappy to lose a business...

especially in view of the fact

that this institution...

holds the first mortgage.

But it's urgent.

These people

need the cash today.

Name your terms.

At today's prices, they have more

equity than necessary...

more money for the bank if you decide

to foreclose, you get me what I mean here?

It's a sweet deal.

There might even be a

promotion in it, somebody...

Perhaps, I could consider a

small home equity loan...

you know, for urgent home repairs.

High interest.

Well, of course.

Well...

we take the fair market value...

times 80% loan to value...

and equals $86,000...

minus the compound interest

over the term of the loan.

I can lend $11,421.89.

That's the maximum on a pure

equity loan of an unemployed applicant.

They'll take it.

Make a bank draft to cash.

They'll redeem it here.

So, Sam...

how are you going to get

the remaining $13,876.11?

Why are you keeping me at this?

The money isn't even yours anyway.

That's where you're wrong

The money is mine...

and I will keep it until a superior

power takes it from me.

And so the question remains.

How will you pay me the $13,876.11

that you owe me?

There's your f***ing

Thank you, Leslie.

Why can't you just

leave us alone?

I understand your frustration...

I do...

but I must have the full amount.

We don't have it and there's no

place else we can get it.

So, you're just going to have to kill us

or whatever it is...

Slow down.

Look, everybody's overreacting.

Let's just all settle down, okay?

We'll have a nice meal,

we'll watch some big-screen TV...

and in the morning,

we'll work something out.

You still have another four days.

Les? Les, come on, wake up.

Wake up, wake up.

- What?

- We're leaving.

C'mon, get dressed.

Here.

- What?

- Let's go.

- He'll hear.

- F*** him. Come on.

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