This company calls using an automated dialer and a recorded message and (in violation of the Telephone Consumer Protection Act) no operator on the line. They claim that they are calling because you qualify to lower your interest rates, but do not even know if you have qualifying debt when you do get to an operator. They also claim that this is your second and final call - neither of which is true. They will continue calling until they get shut down. When asked, they provide an address in Wilmington, DE, but give a TN ZIP code. When asked for a phone number, they hang up (the TCPA requires that marketing callers provide a phone number when asked). This is quite clearly a scam, with TCPA violations from the start and a refusal to provide basic contact information that 100% of legitimate companies will gladly provide.