I was taking a nap when 213-550-4282 called and I answered the call.  After listening to Daniel, I found out his name later, he turned me over to someone who explain the program for me.  Another person came and told me he was trying to transfer me over.  Then Tom came on, who actually speaks perfect English.  He told me this program was for hardship persons only.  I explained I didn't have any hardship and that I got my credit card companies to lower my interest to 0%.  With that the first person I talked to came on, that was Daniel, ( he was listening to the conversation with Tom) and he was slightly mad that I told him I was having a difficult time paying my bills.  He was the one that said that.  He appeared to not understand he was leading me and not asking me questions.  Maybe now they will understand I don't need there service. I believe if you tell them you don't have a difficult time or a struggle paying your bills they will have no reason to call you again.  Give it a try and let us all know.