Hi, I would like some help and advice

a friend of mine used an unlicensed moneylender to restructure some of his credit card debt and turned it into EPP (Easy Payment Plans) under various random installments on another credit card of his.
Friend thought they were part of the bank because they knew about his credit card debt; but i think they are ahlongs disguised as professional financial services

Now he is struggling to keep up paying the installment. May i know what can be done? Can we report the company and to who?
What happens if you stop paying?