Have you been to the Philippines or other foreign country and found the love of your life? Gotten married or engaged only to realize that you need to do paperwork? The last thing you need at this point is visa assistance problems!
While you were there, you hired what you thought was a reputable travel agency, so called visa consultancy or attorney, someone that gave you a great story about their success rate and how much better they were than others, how they were cheaper etc. You paid them either a sizable down payment or the whole fee upfront only to find upon your return to your home country that these people no longer exist, the agency has dissappeared or when you do manage to get someone on the phone you get a story like “Mary is not in today” or the person you need to talk to “is not around today try again tomorrow” or you get someone that speaks broken English that is so bad you are wondering why you even bothered.