â The Federal Trade Commission has sued Better Budget Financial Services over allegations that the Massachusetts-based firm violated the Federal Trade Commission Act with a phony counseling scheme through which it swindled debt-burdened consumers. According to the FTC, BBFS uses the Internet to advertise debt reduction services, trumpeting a claim that it would negotiate with creditors to cut a borrower’s debt in half. The counseling service charges a non-refundable retainer fee along with monthly “administrative