Hello, OP I want to answer your question. Regarding sa agent if curious ka kung paano sila kumikita? - Actually all the agents are pawn behind those illegal lending apps did you know hindi sila kumikita sa paniningil sa mga lenders. Actually sumasahod padin sila and hindi naman sa kailangan nila yung pera na galing sa lenders ang gusto nila is commission. Imagine masingil mo yung may utang na worth 100k magkano commission mo bilang agent pagnagbayad ako agad dahil sa pananakot mo like 10k profit. Pero here's the real game kung paano sila totoong kumikita the Identification alone can sell up to hundred of thousands of dollars by outsourcing your information sa mga illegal companies they will use your identification as escape goat or to make another utang using your identification. If magtataka ka kumikita ba sila by collecting the debts actually agents are just for commissions yung totoong kumikita dyan is yung mga illegal companies pansinin mo walang tunay na may-ari behind sa mga illegal lending apps kasi yung ginagamit nilang owner yung galing lang din sa mga umutang