They are calling from Care One Credit Services. I have an account with them to help me manage my credit card debt. They reduced my interest rates to zero or as close as they could get approved from the cc companies. It has been a good program for me. I recently requested a one month supension of my monthly payment as I have been on disability leave of absence so I am sure they are calling to find out if I am going to continue my scheduled payments next month.
If you are struggling, this is a good program for reducing your payments and still paying off your debt faster by having yoiur interest rates drastically reduced.
I wish you all the best if you are struggling with debt.
God Bless!