John is trying to decide whether it would be wise to consolidate his debt by borrowing funds from Syndicated Lending, a firm that he doesn$$t know much about. Syndicated is an Internet lender that doesn$$t post much information about the costs of the loans it offers. Some additional information John has gathered from various sources suggests the Syndicated might use such unethical practices as $$bait and switch$$ to attract customers.

$$Is there an ethical problem? If so$,$ what is it$?$

$$What are the implications if John borrows from Syndicated?

$$Should John borrow from Syndicated?