It was a woman who acted like she'd spoken to me before. She said "Sorry it has taken a little while for me to get back to you. It has been really busy here. As I look over your paperwork I think I can lower your interest rate to as low as 1.5% and cut those monthly payments down for you, get you out of debt sooner. It is pretty important that you call me back so I can get you started on that program. The number is 1-800-977-2091."
She never said her name or the name of her company.
Got the call from this number, was a woman with the spiel about reducing credit card debt. Tried to ask her who she was with... was a recording. Felt like a dunderhead so I hung up.