So here's the real poop.  I worked for the company these call are coming from.  The services they provide are indeed legit (non-profit financial services).  Above board and when they work, they work really well to help with reducing and paying off credit card debt.  The problem is the method they use to get you on the phone.  Robo call, leave a message that induces you to call in.

In summary:  Great product, lousy marketing.

Just my two cents!