Got a call today but I didn't answer. Once I notified our state's attorney general about these "lower your interest rate" calls that appear to be from within the U.S. She said they are usually from places like the Cayman Islands routed through U.S. numbers. The Do Not Call list means nothing to them. Their robot just dials thousands of numbers and enough turn out to be answered by live suckers to make it pay. Same for the scammers who claim to be from Microsoft and need to "get rid of your computer's virus".