When NBM called here today  I advised them that they have been turned in to the FTC and my state's attorney general's office (which I did) and if they call back again they are in violation of Federal law, suddenly (out of nowhere) I start getting calls from 213-234-2085. Obviously they (NBM) are going to try and harrass me through "other" numbers. I will turn them in as well. Both companies offered to lower my credit card interest rates. That can be done by any customer by calling the credit card company directly. You must speak to a supervisor and not be delinquent on your account.