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is this to good to be true

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Hello,

I am unsure if this is a scam. I had someone contact me about helping me get my payments for my car note lowered to half of what it already is since I'm behind. They need $499 to get started with contacting the people who have my loan to get it lowered. They want me to Moneygram $300bto get started then will send me the paperwork.

I have done a reverse number lookup for the "company" but it is showing as unlisted or unpublished. The company has a website called savecarusa.com. The name is listed as Regency Financial Services but they are listing no info for them with the BBB. I believe it is a scam but my husband doesn't think so. Please help!!

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