My contacts were contacted today by these loan apps. They said I am a fraudster, a chronic debtor, and they threatened my family.

Go and pay that money!

Mozino007:
Go and pay that money!

But there's no money in my bank account presently. I lost my job last year after I collected the loan, and I have been living from hand to mouth as a labourer.

YourBestWriter:


But there's no money in my bank account presently. I lost my job last year after I collected the loan, and I have been living from hand to mouth as a labourer.

which apps are u owing n how much?

Mozino007:
which apps are u owing n how much?

Add money app
I/O money app

20000 naira

These are the ones that are contacting my family. The add money is threatening to send me to jail before Easter. These apps have thrown me in a state of sudden depression.

Do not go into depression because of loan app. Are you the only one owing? Even Nigeria sef dey owe so you have no reason to give your self any unnecessary headache over an illegal loan app. Those apps you mentioned are illegal, they cannot arrest you it's just an empty threat, so relax and work hard to live your life.
Normal normal the number one rule is After they have sent defamatory messages to your contacts then you no need pay them again.
Number two, never borrow from another app to pay them.

Bros,
Na because of 20k you won enter depression. If you dey owe the kind money when I dey owe. You for don commit suicide. Me I just cross my heart. I just they pay them small small till is just remaining just 2 app am owing now. Me when they owe reach 10 apps. They call me tired. I simply tell them make them relax. If they disturb too much. I off my line. Any of my contact when them send message and they forward message give me. I go just ignore.
The most important thing,cross your heart,nothing they happen. Na borrow you borrow,you nor steal nor do fraud.

YourBestWriter:
My contacts were contacted today by these loan apps. They said I am a fraudster, a chronic debtor, and they threatened my family.