“Good...Good day, what can I help you with today?” Jason stuttered, his voice barely above a whisper. He shook the tall man's hand, his palm sweating with anxiety.

The short man stepped forward and brought out his shiny white ID card once again, showing Jason who stood rooted at the doorway after getting their identity. He had been avoiding this visit for a few days now, who knew they would come to visit so late at night? It's like they have been hiding somewhere secretly just for his arrival.

“We are here to discuss your loan Mr Jason. You have been avoiding us and also not picking up our calls...