I'm SURE you mis-spoke and meant to say, he's a close friend that I am trying to help but it was not my intention to "fix his credit".Debt Relief and Credit Repair Scams"The FTC has brought scores of law enforcement actions against these bogus credit-related services, and the agency has partnered with the states to bring hundreds of additional lawsuits"SOME CASEShttps://www.ftc.gov/news-events/topics/consumer-finance/debt...Financial Education Services (August 5, 2024 )Panda Benefit Services, LLC., FTC v.

This feels like a total scam.  

However, 3 were residential, and I’m happy to say no problems were encountered.  

Not to mention scams are so prevalent these days, it's stressful vetting all these companies and making sure my financial info isn't getting into the wrong hands.

It's likely that they encountered unforeseen expenses that require additional capital beyond what was initially raised. 

Because it takes repetition for people to remember things and you have to be top-of-mind when they encounter a potential client for you!

If anyone tells you that you can get 15% cash-on-cash it's either a scam or ultra high risk. 

After aggressive encounters, many jurisdictions refuse to allow specific dogs to live in the area.

There have been plenty of land scams there for years. 

However, there's nothing to be ashamed of; this is a problem that most people encounter and easily overlook, and it can even lead to stumbling, as I got lost there for a while too.