This scammer calls numbers on the national do not call registry in violation of the Telephone Consumer Protection Act. They further violate the TCPA by failing to have an operator on the line when the call is answered, and still further by playing a recorded message without an operator on the line to pause or stop the recording and answer questions. When you do get to an operator, they yet further violate the TCPA by refusing to provide a physical address or a phone number when asked. When you ask to speak to a supervisor, the operator threatens that he has your name and address on his screen, and he will send someone to hurt you. Their recording states that this is your second (but they've called many more times than that) and final (but you can be assured they will call again) notice to lower your credit card debt and that you need to speak to them immediately. This is clearly a scam. Do not provide this scammer with any personal or financial information.