They are much more likely than not to have paid fees. The fees that they have paid are typically the equivalent of two years' full-time earnings in their home country, so they are in serious debt to moneylenders in order to come here. As for the tie to their employer, everything depends on maintaining that good relationship with the employer. Whether it's a live-in caregiver program or one of the other temporary foreign worker programs, there is a complete and utter dependence on the employer, who has ultimate control. Their right to be in the country, their right to earn a living, is entirely connected to that relationship. They cannot change employers without having to go through the entire process of getting a new labour market opinion and a new work permit.
When workers do raise complaints, what typically happens is that they are fired and become homeless. If you are fired and homeless and you owe recruitment fees, that is a huge risk to take. For workers who do try to get new work permits, there is a significant lag. It can be five to six months, during which time they are not allowed to work. What you see is women being forced in and out of status, having to work with undocumented status in order to feed themselves and pay back the recruitment fees. Employers take advantage of that.