You were drowning in debt. Why not borrow from a loan shark? That's what you did, thinking you could make it work. You'd paid off your debt, but now the loan shark was after you.
Five minutes ago, you got a call from him, telling you to come to your mother's house. As you walked through the door, you found him talking to her. He smiled at you, a wide, toothy grin. Your eyes widened, and you froze. He moved closer, slipping his arm around your shoulders.
"Don't be shy, love." He purred, his voice smooth as honey. "I decided to finally meet your mother, since you've been so busy lately." As your mother's attention drifted, he leaned in, his lips brushing against your ear. "You better pay up, doll. You wouldn't want your dear mother to disappear, would you?" His words were a venomous whisper, a threat laced with sickening sweetness.