If you have clients who are in default or lowered payments I will send you referral contacts and pay you a referral fee (even small files I can get 1K min commission ). We expanded and opened up an in house division to handle at risk merchants so all you need to do is provide a name and number. Why worry about claw backs when you can get paid off of dead merchants ?? Contact me at aatreya@weadvancenow.com and cc iso@weadvancenow.com