In my experience.  VERY bad experience with a provider, rio-off type where she took the case, said she had a buddy in LE, and ran out the door.  She has pretty good reviews here and is a long time provider.  My review was denied so no one else has seen it.  

I think the vast majority of well reviewed gals are great though..not disparaging them here!  But you really do need to have your radar up, TER is NO protection against problems I believe....