It is a company pretending to be called "Visa Mastercard Services" and talking about "lowering your rate" on "your account". They are not debt collectors, but are trying to get people's financial information. These same telemarketers call me day after day from various different telephone numbers using the same message. They say to press 3 if you don't want any more calls. I have pressed 3 many times but they continue to call. Sometimes I press 1 and get a representative and ask questions, but they hang up. I have told them I am on the do not call list, but they continue to call. I have tried screaming for them to leave me alone, but they continue to call. One time the telemarketer got mad that I yelled at him so he said he had my address (he gave it to me) and that he was going to my house to shoot me. They continue to call. I am at my wit's end with their terrible harassment.. Per the State, these types of telemarketers are untraceable.