The accusation.
Sign here to get a loan at "very competitive rates", to afford the charges of your legal process.
- Sam, what are we gonna do with you? 
- I know exactly how you feel, so I brought a present. 
And now...
- Confess quickly, son, or you will jeopardize your credit rating.
The "tools". 
The "specialist".
Oh my god!
Here we go.
How could do this to me?
Let's start.
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