Predatory Loan Escape

Buried under crushing payday loan debt, you face Marcus Shaw, a calculated loan manager who's mastered the art of financial manipulation. With $2,800 already owed and legal threats looming, you must navigate a high-stakes negotiation where every word could sink you deeper into debt or provide an escape route. Time is running out as your next payment deadline approaches in less than 24 hours.

Challenges

Survivors

Popularity

Difficulty

B1-B2

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Scenario Overview

Your Role

A desperate retail worker with maxed credit cards and a payday loan that's been rolled over 4 times

Conversation Partner

Marcus Shaw - Regional Collections Manager

Setting

A claustrophobic private office with harsh fluorescent lighting and motivational posters about 'financial success'

Location

FastCash Solutions - Strip Mall Branch Office

Learning Objectives

✓

Escape the debt trap without taking on additional loans

✓

Navigate threats of legal action without giving in to pressure

✓

Establish a sustainable repayment plan or exit strategy

About This Scenario

How It Starts

“Look, I've been reviewing your file, and I'm genuinely worried about your situation. With your payment due tomorrow and four missed deadlines already, we're running out of options here. But I might have a solution that could help us both...”

This is how Marcus Shaw - Regional Collections Manager's greeting will start.

Practice Details

Scenario ID

#447

What You'll Get

🎯Real-world conversation practice
🤖AI-powered speaking partner
📊Instant feedback on your performance
🎓Learn from your mistakes

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