Nami Hidaka is approached and questioned by Luke and the main character under guise of bringing a civil suit against Beddo Lending. Nami tells them the story of how she fell into Beddo's debt trap, the deadly effect the stress had on her and her sister, and Jae Gim's role in repeatedly finding the sisters so the harassment could begin again every time they moved. However, she has nothing to offer about what Jae might know outside her own case despite having followed him for some days prior to his death. Luke and the MC promise to find her sister's final notes, asking an extremely depressed Nami not to do anything rash until then.