They start by saying, "Your credit is not in jeopardy but it is very important you talk with us. This is your last opportunity." They also give you an opportunity to "press 2" to never receive another call ... which never works... they just keep calling... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling ... and calling.



