Your "To do list" is to read the NY TER Discussion Regional Ad Boards as your bible and also the reviews of the provicers who interest you.I have been hobbying for more years than I am willing to admit. I have never ever encountered a bait and switch or upsell or misrepresentation of any TER reviewed provider whether an Indy or through  an agency. I have had  bad experiences with every other forum ranging from Eros, cityvibe, backpage just to name a few. These sites are fine for researching a provider, but then once you select one, proceed to research TER to see if that particular provider is listed. There are so very many choice out there. To settle for less than a reviewed TER provider is a calculated risk. Not only are your risking disappointment, but you are also at risk of being mugged, robbed, assaulted, etc. So proceed with caution and as this aging sexagenarian has always preached "Caveat Emptor" and think wisely with what's in your head and not with what's  between your legs.

Btw, if you come across this lovely provider, even if she doesn't have a TER review, you might make an exception and TOFTT. Happy hunting.