I received a phone call from this company this morning.It was for consolidating credit card bills. When I pressed one to talk to a live person, the person on the other end was speaking so ineligible, that I had to ask twice what they had said, and still didn't hear them correctly. Then I told them we owe no credit card companies, she proceeded to HANG UP ON ME! I called the number back, and it won't accept calls. Just let them call again. I can't wait.