I've gotten memberships on a few phone chatlines looking for legitimate dates. These lines are full of women looking for 'generous' men. Some of the women have told me how much it will cost and the services they will provide. One had a very hot voice and a hot description and said it would be $100 for an hour. I was tempted.
Has anyone ever met any of these women? Is it a rip off?

As for LavaLife - it is shit. If your looking for legitimate dates you could be inundated with messages from these 'quasi sps' and the mass of gay guys(to cheap to pay for a membership on their own chatline) on the system. LaveLife is free from the female side. LavaLife is suppose to keep the sps and gays off the system but they don't because everytime a sp or gay sends you a message you have to use up your membership time to listen to the message. You don't know if its an sp, gay, or legitimate female until you listen to the message. If LavaLife actually monitored their system and kicked the sps and gays off their profits would plunge.

I used to use livelinks.  Then after
a couple of bad experiences, I stopped.
Then I heard about TER.

You can find good lower-cost providers
on the chat lines, but you can also get
ripped-off.  The ladies who say they are
18-20 are more likely to be cash-and-dash
or other rip off artists.

If you want to try these providers,
I would stick to ladies over 30, and those
in good neighborhoods. However, like any
unreviewed provider without web photos, you
may be disappointed.  Or you may get lucky.

Another tip - when you meet these girls, leave
your wallet, credit cards, and checkbook
in a safe place, and bring only the amount of
cash agreed upon.

Putting "generous" in your introduction tells them
you are looking for a provider.

I also met a nice lady who simply wanted no-strings
sex one-time, no donations involved.  
She turned out to be a very
attractive 40 year old nurse in good shape.  As I said, sometime you can get very lucky.

I have gotten lucky w/ livelinks several times.  A few w/ providers and w/ women just looking to play.  I did have a great experience w/ a fine 19 y/o latina girl who gave me oral, anal, and vaginal sex w/ a facial for $125.  No shit.  So these lines have worked for me but when you look at the cost of getting a membership to the line and the time involved to find these women, I find it easier to just use TER and find someone to hook-up with.  At least you know what your going to get(usually).

I've had a different experience. I'm attatched and met someone attatched on lavalife and have had several wonderful encounters with this lady and will continue to have many more.