I get phone calls from these people constantly wanting to know if I want to "lower my interest on my current credit card account."  When I ask to be removed from the call list, the caller immediately hangs up on me.  When I try to call them back in order to irritate them as much as they irritate me, the phone number doesn't work.  Do NOT give these people ANY information.  They are CLEARLY a scam for people who desperately need to get out of debt.  Every single person involved in this scheme should be absolutely ashamed of themselves for trying to take advantage of people.