$500 upfront fee considered predatory?

Hi folks,

I just started with this Skool group so please walk me through this objection!

I just referred a personal friend of mine and she paid the $500 upfront fee. She then reached out to me considered about the fee, saying that she looked it up and Claude and google claims that credit card repair companies charging such a high fee and upfront is considered predatory and illegal.

She also said our website fundingvault.io has no established presence, reviews, or anything like that so it makes it seem even more suspicious.

Can someone provide some insight on if what we’re doing is truly ethical/legal?

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$500 upfront fee considered predatory?