all fees up front
all fees up front, while your late fees and everything grow. then basically your settlement is what you owed. ended up having to get a lawyer and go to court on one of my accounts. cost me more in the long run. I would have been better off just limping by or contacting the bank. had offeres I never even had notice of and said I declined which I never got. this is worst idea and decision I ever done in my life and I am paying for it for 5 years and so messed up now I cant get rid of them or get out of the mess