The phrase "loan shark" is applied to a lender that charges high rates of interest and designs their credit product to make paying off the debt difficult. A borrower is trapped by loans; unable to pay off the principal, late fees and other added costs. Borrowers become indentured slaves as the aim of a loan shark is to keep their customer in debt, a virtual annuity.
When doing business with DSC, you are swimming with the great white shark, and there is blood in the water.
Payment is extracted using all means necessary, even though it is a federal offense to use extortion or threats to collect usurious interest of any other sort, including the practice of making consumer loans without a license in jurisdictions that require licenses.