IF THEY DO, THEY OWE YOU DAMAGES.

Some illegal loan apps use public shaming as a collection tactic. They may post your photo, name, and alleged debt details on social media platforms like Facebook, Instagram, Twitter/X, or WhatsApp groups.

What to do if this happens:

DO NOT PAY. Paying will not stop them—it will confirm that shaming works, and they may continue or escalate.

Instead:

1. Document everything – screenshot the posts, save URLs, capture the account details
2. Report to the platform – all major social media platforms prohibit doxxing and harassment. Use their reporting tools to have the account suspended
3. File a police report – this is criminal cyberstalking and defamation
4. Consider legal action – in many jurisdictions, you have grounds for a civil lawsuit for damages

Know this: Their social media following is likely small, designed for intimidation rather than genuine reach. The threat is psychological, not actual. Do not be intimidated.