THESE PHONE CALLS R FROM PEOPLE LOOKING FOR SOMEONE STUPID ENOUGH TO GIVE OUT A CREDIT CARD NO. PROMISING TO LOWER YOUR % RATE SO THEY CAN STEAL ALL THEY CAN FROM YOU. THEY ASK IF YOU OWE AT LEAST $10,000, AND IF YOU DON'T, THEY HANG UP ON YOU.  I KEEP TELLING THEM THEY ARE SCAM ARTISTS, AMONG OTHER THINGS, AND TELL THEM TO STOP CALLING ME AND THEY JUST WON'T STOP. THEY CALLED ME YESTERDAY,2-18-14 AND AGAIN TODAY, 2-19-14 AFTER I CUSSED THEM OUT.