Federal and State Tax Negotiators "FSTN" promises that they will get paid out of 15% of what they save you, then ask up front for $2,500 and monthly fees and set up fee. They tell you they will negotiate a better deal. Instead they just told me to finance a loan to pay off the IRS debt. Instead, I did my own research and found that the IRS also has cheated me, so I have asked them to refigure my debt. FSTN should have investigated this, but did not do a *** thing! Then they bail and state that the guarantee they advertize was not listed in the actual contract, so they don't have to honor that. Well, the IRS is on to that and they wrote a code to disallow that sham practice. I'm filing a small claims against them, the BBB complaint was ineffective