The Digital Debtor

After completing his grueling NYSC service at Blossom University, Raphael faces severe financial hardship while living in Abuja. Desperate for employment and future stability, he succumbs to an intricate paramilitary recruitment scam. Tricked by clever fraudsters posing as real officials, Raphael takes out multiple high interest digital loans from predatory apps to pay fake processing and uniform fees. When the deception unfolds, Raphael is left drowning in insurmountable debt. Abandoned by friends and facing relentless digital harassment, his credit score is utterly obliterated. Ultimately, automated banking sweeps liquidate his remaining funds, leaving him completely ruined and trapped in deep vulnerability.