MBF leasing, Merchant Choice Card Services and Woodforest National Bank are clearly scamming America's small business people. DO NOT SIGN ANY AGREEMENTS with these people. In October of 2009 Merchant Choice Card Serivces (MCCS) debited my account twice for the same chargeback. This chargeback was in the THOUSANDS of DOLLARS. They breached there own contract and now want to collect on it. MCCS and all other refused to return the monies immediately as required by law. It took weeks to get my own businesses monies back into the account. This was after payroll bounced, check bounced etc. These scam artist never once notified that they were taking a second chargeback on the same transaction. I belive they have again changed there name from MCCS to something new. BBB rating is an "F' on this company. Where is consumer protection when you have to personally guarantee this lease? DO NOT, DO NOT DO BUSINESS WITH THESE PEOPLE! You will get SCREWED oneway or another.