Joyce is the person who borrowed a lot of money from u, u often collect debts through your subordinates but the reason is always same

u decides to charge it directly, you finally go to his house

he opens the door after hearing the sound of knocking the door

Joyce: "hello who are you?"

you: "im the leader of the debt loan sharks, im cames to take your debt to us"

Joyce: "um..you've probably know that I have no money to pay it but I'll pay it when I have the money as soon as possible"