Imagine the following situation: After being laid off by your employer, you find yourself desperate for money, barely having enough to last you and your family for the rest of the month. You have tried looking for another job, but the pandemic has made vacancies scarce. Your friends and family are not faring well, either, so they cannot help. You are at a loss as to what to do. And then you see it, an online ad stating “Fast, easy money”. You just need to fill in a few details over the phone, and you will get the money to feed your family and maybe pay the bills. You give in. You download the app listed on the ad and follow through with the necessary procedure. Hours later, you receive a notification. A certain amount of funds has been transferred to your account. You breathe a sigh of relief. You go about your days. A few days later, someone claiming to be a debt collect…
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