Sesto offers you a job that will not only pay your late charges but also earn you more money to pay off the rest of your debt with and then, perhaps a job to pay rent and put food and booze on the table. Hell yes, what is it? A collection agent. He loans shady cash to a lot of people and often folks don't pay him back on time. He wants you to be a collection agent. To follow them around, threaten them, sometimes beat them up if they still don't pay. You accept and you are a valuable member of society again.