Wow you guys are lucky that they're only calling you 2-4 times a week. I've had the same freaking people use about twelve different numbers and they have called me thirty times today since about 10:00am. I'm getting really pissed off.
I get this phone call quite often. Most times I ignore it, but if I have some time to kill and I am in a wise-guy I mood, I talk to them, for twenty-thirty minutes if successful. I tell them everything I think they want to hear and then they keep checking with their manager to see if I fit the parameters of the program. After they get real excited about closing the deal and making a commission, I spring it on them that I was just playing with them like they play with others and they shouldn't call me about my credit cards when they don't even know who I am. Its hilarious when they explode.
You and Ralph Smith, Sarge, Jackie, and Della need to comprehend that no one else reading this page can ''make these people GO AWAY''. Your caller is not going to dutifully study random forum complaints and cannot magically determine which numbers should not be called based on anonymous comments.
The credit reprice scam is a huge and long running problem with no easy answers. They are very hard for individuals to find and spank in court as they deserve. Some operations have been killed by the FTC in the past two years, but more needs to be done. It is up to ALL OF YOU to help by reporting every "Rachel" and "Heather" call to the FTC and attorneys general.