To be honest, I know many companies that do actually charge you for the service upfront. I always advise my friends to look into the T&C-s before they sign up. Also self-help is available if you are determined, as well said: you have to set up a debt consolidation plan based on your income and expenditure.
I actually created some spreadsheets for that, if anyone interested, and admin allows I can post them in here for review.
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