Ms. Laura Stevens called to tell me that she could help me lower my credit card payments, since I'm only making the minimum payments each month on my cards.

I didn't have the heart to call her back and tell her that I always pay the full balance on my cards every month, and have been doing so for 20+ years.  I hope that I'm not hurting her feelings...

Left a message on my voice mail that we talked last week and she was willing to cut my interest rate to 1% on current credit cards.  I never talked with anyone and certainly would not discuss over the phone.