Has anyone ever heard of Lenders Mortgage Services?

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I have very bad credit and I’m being offered a loan from Lenders Mortgage Services out of Kingston Jamaica for $ 10,000.00. at $ 247.00 a month. They need one of 3 things- collateral or 3 months payments up front,or to purchase an insurance policy on the loan- that would be 600 up front, I’m leary…does this seem legitimate or is it just a scam?

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