Michael Cooper, owner of FIAD CARD SERVICES is the same owner of BCA RECOVERY in Florida. You'd better beware of this company. They claim that they dont take any upfront fees but then when you get a temporary credit on your dispute, they take their fee and leave you high and dry after they get their money. Michael Cooper who is the owner, also owned BCA Recovery and ended that less than a year ago and started up FIAD CARD SERVICES after ripping off many consumer who have been victims of scams. He can deny that he is not a scammer all he wants but the proof is undeniable. See for yourself before you get involved with these crooks. HERE'S THE PROOF. Dont get ripped off. Recovery Businesses are not allowed to take your money until 7 days after you've gotten your refund. THAT'S THE LAW!!! Michael Cooper will be going to jail and he's taking your money to bail hm out! BE WARNED. FIAD CARD SERVICES IS GOING TO RIP YOU OFF! SCAMMERS! YOU WILL SEE THE LINKS BELOW THAT MICHAEL COOPER OWNED BCA RECOVERY AND HAD SEVERAL COMPLAINTS ABOUT HIM BEFORE HE STARTED FIAD CARD SERVICES. FOLLOW THE LINKS AND SEE FOR YOURSELF!