Navy Advancement Center-Fee Loans: PACIFIC OCEAN (Sept. 9, 2010) Third group of students little officers take the semi-annual advancement exam on the behind untidiness deck of the aircraft carrier USS Ronald Reagan (CVN 76). Sailors are given three hours to answer 200 questions that test their knowledge of their rating and basic military requirements. Ronald Reagan is underway in the Pacific Ocean. (U.S. Navy photo by Mass Communication Specialist 2nd Class Briana C. Brotzman/Released)

Have you come crossways someone asking you to pay a fee in go forward against a guarantee of receiving you a loan? Almost everyone comes across these guys once. They offer “Advance-Fee Loans” – mostly fake – as compared to the authentic lenders generally owned and managed by real professionals.