Actually the idea is to pay for debt renegotiation, or credit repricing, a service a total stranger on a cold call is not likely to perform. This is a long running scam. Some of the boiler rooms were shut down by the FTC last year, but the rest remain slippery. Keep pouring on complaints with the FTC and attorneys general.
See a few discussions on the credit reprice scam under these numbers : 714-244-5025, 402-982-0479