Is the legal service for rich cats a pyramid scheme?

The details are as follows: The full name of Fumao Legal Affairs is Sichuan Fumao Business Information Consulting Co., Ltd., and I was introduced by a friend to handle the account suspension business in this company. At the beginning, it was promised that the principal could be paid in installments except for the service fee. At that time, the repayment date of my credit card was February 1, so I was asked not to return the rest in February 1, and a group was established on February 15. In fact, I can discuss a bill in seven days. Until the dunning phone calls my home, one month 10 day. 16, the result is a late payment fee of 4275. My explanation is that there will be a late payment fee. At first, I was told that there would be no extra fees. As a result, the unpaid time was counted as a breach of contract by the bank, and I had to pay a late fee, so I waited for so long to deal with it knowing that there would be a late fee, which added unnecessary burden to me. Later, there was an installment fee of more than 8000 yuan. I told the bank involved, it's hard to say, but before the operation, I didn't tell me to transfer to another bank's credit card to avoid risks. After that, I continued to communicate with them to see if I could reduce some extra expenses, but I was always rejected. I was told that this was the best compromise I could make. Finally, I was forced to communicate with the bank myself. Finally, I agreed that the repayment of the principal would not generate additional expenses to avoid losses.