You are right, a lot of them are out there to grab your money. At the initial stage of my application processing, I was having problem getting my transcripts from my school, after more than a year frustration with out transcript, I told the lawyer to file my application without my transcript since I have my certificates, they refused to do so, they encouraged me that I MUST get the transcripts. Behold, when I stormed my school with all the anger and frustration in me, my transcript came out by fire by force the next day. The way I reacted brought out everybody in the administrative block including the rector from their ofices, I became a celebrity that day. If they had not made it clear that I must get my transcript, I wouldn't have had the courage to approach the administrative staff with determination for my transcripts and If I had not engaged the services of a lawyer, my case would have been different by now because, I would have sent my documents incomplete thinking that my certificates will cover up for the transcripts.