These people have gotten very ugly with a dear friend of mine -- telling her they would help her lower her interest rate on her credit card. She told them she only has one card and it is paid off each month and requested they not call as her husband was very ill. The caller got very ugly with her and said he would call every day at any time and she couldn't stop him! This number has been reported to the Texas Attorney General's office. They never leave a message when they call my house and I don't answer the phone when I see the number.