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Elise has debt problems and sees an ad for a credit counseling service. When she calls to get more details, she suspects that the service is a scam. What could have tipped Elise off?
a) requiring a free course on money management
b) charging large monthly fees for the service
c) asking her to cancel most of her credit cards
d) All answers are correct.

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Hagrid
The right answer for the question that is being asked and shown above is that: "d) All answers are correct."  The situation that could have tipped Elise of is that of requiring a free course on money management; charging large monthly fees for the service; asking her to cancel most of her credit cards