In these trying times, a growing number of Filipinos have turned to short-term loans from online lending applications (OLAs). The proliferation of these easily downloadable apps has made quick cash more accessible than ever. However, this convenience has come at a cost: many borrowers have been subjected to exorbitant interest charges, incessant harassment, and even death threats directed not only at the borrower but also at individuals listed in the borrower’s contacts. Some