{"success":true,"data":{"id":"debt-relief-fee-scam","label":"Debt relief / settlement fee scam","description":"Attacker poses as a \"debt settlement company\" offering to negotiate or reduce credit card, personal loan, or tax debt for a fraction of what is owed, then charges upfront enrollment fees or monthly management fees with no actual debt reduction delivered — the FTC reports debt settlement scams cost Americans $1.6 billion per year and are distinct from legitimate non-profit credit counseling agencies.","tier":"danger","category":"scam","isThin":false}}