<prompt> Human: I found a guy doing loans from his business account on Craigslist here in NY. I asked for 3,500 and he sent me a short loan agreement to agree with via email. He says he works for real estate but he doesnt seem like the typehe has a kind of ghetto accentHe says he wants to meet up with me, physically take my debit card and use it to do a ACH wire transfer and that it will take 2-12 hours to process. He says there is no ATM transaction at all to perform the transaction.Any red flags you guys see here? Assistant: Any red flags you guys see here? Yes... as a matter of fact thats all I see here, how on earth do you not?Human: Just trying to get a perspective here. Its a finance question, thats why I posted on this subreddit to get more information and be enlightened in the future. Any issue with that?  <response>: Never ever deal with a person who advertises loans on Craigslist. This is 99 a scam, hes going to do deposit a check that will bounce, and youll be left with the bill. Only get loans from actual financial institutions. 