I have been receiving these calls for months. I get them on my land line and also my cell. They say "Last chance to take advantage of lowering your rate on your credit card". It also says to press "2" if you don't want to receive the calls. I have pressed 2 at least a dozen times and also told them that I am on the DO NOT CALL registry and I DO NOT want calls from them. All I get is someone that speaks broken English and hangs up on me. I also tried calling back to speak to a manager (haha) and it just rings about 25 times and then the line cuts off. There has to be a way to stop these annoying people that won't get a REAL job!!!