There is term for what you want to do. It is called "capping".
It is strictly forbidden.
The above is general legal and business analysis. It is not "legal advice" but analysis, and different lawyers may analyse this matter differently, especially if there are additional facts not reflected in the question. I am not your attorney until retained by a written retainer agreement signed by both of us. I am only licensed in California. See also avvo.com terms and conditions item 9, incorporated as if it was reprinted here.
Not legal in any state I am aware of. The underserved populations of which you speak are particularly vulnerable to being tricked and abused. Such a service, were it legal, would quickly devolve into a racket generating as much liability as opportunity.
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