Expert Counsel

If you downloaded the Spark Credit app outside the Play Store, it likely means you've granted access to your contacts by allowing contact permissions. To protect your privacy, it's essential to generate your own disclaimer. You can do so here: Generate Your Disclaimer.

Before falling victim to loan agents from any groups, make sure to read about how some loan app agents are scamming people in Facebook groups. Stay informed and safe: Read More.

Clearing your contacts from a loan app's database is often a myth. No one can truly delete your contacts once accessed. Learn more about this topic here: Clearing Loan App Contacts.

Ignore any harassing messages from loan apps. If they've contacted your friends or family, don't worry—you don’t owe them anything more. Focus on moving forward with your life.

Unlicensed loan apps are powerless. They can't legally harm you, and their primary method of control is through defamation. Know that these threats are empty.

Your contacts can't save you. Most of your friends and family are likely aware of the shady tactics used by loan sharks, and they might not be able to help.

Be cautious of short-term loans with 7-day durations and high-interest rates. These often lead to threats and defamation. Avoid loan sharks, and if borrowing is necessary, choose licensed lenders.

Debt can lead to bankruptcy. Loans from unregulated apps can ruin your finances. The best solution is to stop borrowing from them entirely.

If you've already paid the principal and initial interest, ignore any further demands for overdue interest. They have no legal grounds to charge you more.

Don’t fall into a debt cycle by taking a loan to repay another. Loan sharks often operate multiple apps, which will only deepen your financial trouble.

Install Truecaller on your phone to identify and block loan shark calls. You can also report them on WhatsApp and Google Play Store.

The best way to break free from loan sharks is to stop borrowing from them altogether. You lived before they came into your life, and you can regain control without their influence.

Stay strong and focus on your financial well-being. Remember, your health is your wealth—don't let loan sharks endanger your future!

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