Called my cell phone (how do these people get cell phone numbers?)...I didn't recognize the number, so I didn't answer. Left a voice message stating he was Rick Morgan and he was offering to cut my mortgage payments and lower my credit card interest rate because I'm apparently only making minimum payments on them. He apologized for taking so long to get back with me because he had so many things coming across his desk. He said to give him a call at 1-800-676-9314
. Sounded like Rick was a computer recording (maybe Hal's son). If you'd like to contact Rick, please feel free to do so at the above number. I just think he's a jackass for calling my cell phone unsolicited.