Linville said the company told her it would charge her monthly installments of $771.25, and the initial payments would be applied toward Morgan Drexen’s engagement fee of $4,101.53, and fees for maintaining Linville’s checking account. In return, Morgan Drexen promised to deal with her creditors directly and settle her debt for less than half of the original amount, she said.
http://www.iwatchnews.org/2011/07/20/5276/borrower-nightmares-small-town-teacher-seeks-help-big-debt-ends-bankruptcy