Gosh, you should always take care about such things. There are hundrets of people out there trying to make money. There are people who post their lyrics somewhere, a Producer (or a company) writes them, promissing things and so on, making the folks pay. Some pay between 500 and 1000 Dollar for a song, which is not ready for production.
It´s always better to compose a melody for it, play around with it, cut a rough demo with a partner. And when you´ve done this you can produce this in a studio. With a well known producer or a friend.
And this is the key point: Don´t pay money to anyone you don´t know. Don´t pay money for anything, where you don´t know what comes out. When you are just a lyrics writer, make friend with composers. And after this, you can look for a professional producer to make a full blown demo (sometimes the composer can do this with you as well).
lyrics writers pay someone, who promise them to compose a tune and to record this for them. And then? There are “lyric´s services” as well (I´m a composer) I would never send one of my tunes to a lyric´s service, paying them, without knowing what comes out. There are so many lyricists working for free, there are so many composers working for free. So - make friends and don´t trust people who “promise” you anything…
From Austria…. :)
“Ring the Bell”
http://www.youtube.com/watch?v=-qTxKKZuaRo&ob=av2n
“Paris, Paris”
http://www.youtube.com/watch?v=s_543eZ2uCI&feature=related