Actually I too received a call from them. I was annoyed at first but then as they said, I saved money. And lots of it. Last year my credit card debt was 9000 dollars. I signed up with them and got at credit limit of 13,000 with my new MasterCard and after I transfered my other cards my one and only monthly payment was 190 dollars LESS than what I was paying and now my debt has dropped to 5200 already in less than a year. Their processing fee while I was scared at first was the best 600 dollars I've ever spent. Just wish I'd have done it the first time they called. And their customer service rocks! Easy as could be. I so love having MY money in My pocket! Happy I am. Thank you Top Savings!!!