Did not answer call, but they have called a few times this week. My credit cards are in good shape and student/car loans up to date. Don't know why they would be targeting me!

called my 80 yr old mother and told her they could lower credit card interest to at least 6% from 19% for $795.00. after giving them her credit card #, i tried to call them back an hour later to cancel, (her c.cards are current and she has very little debt)no one would help me or talk to me.they would not give me an address where i could send a certified letter.  this is a debt consolidation place, they will ruin my mothers good credit.  they should not prey on elderly people, especially if they don't understand it.

Same company here:
http://800notes.com/Phone.aspx/1-407-260-5978#prHjLa9K2hADqwgjLOzUDvw

This number is just a toll-free version of their Florida number

Got a call today.  Same story as above.  They say my credit is "outstanding" and my rates should be lower.  Well, first off, if my credit is so dang outstanding, why is my rates higher than the average? The obvious of course....and I have been doing better, which would explain why I was able to call on my own and have my rate decreased without the help of a "professional".  Don't waste my time!

9/26/08- approx. 11am.. Sat.- CA- Received a call from a Steve Jounson.  He said he was from Financial Resource Organization and offered to lower interest rates on all credit cards and loans.  He said I was identified as having outstanding credit and they could help me with lowering my interest rate on my cc's.  I asked, how is it they know what my credit rating is when I instructed credit bureaus not to sell or release my info.  I asked which of the 3 credit bureaus he obtained my info. from and he would not tell me.  He seemed frustrated that I did not buy into what they were offering.  I just hung up.  I don't really know if this was some attempt to get my credit card info. and googled his phone number-- 877-220-5978, so here you go.  I have also put my number on do not call lists.

i keep getting it and keep ignoring it.

8/20 received a call on my cell phone from 877-260-5978, did not answer because the number was not known to me.

I received a call from 877-260-5978 on Tuesday, April 8, 2008. A woman named Katie said "I am calling from your credit card company. Can I talk to Michael McFadden?" I asked if there was an issue with one of my accounts. She told me that due to my excellent credit rating that she could lower the interest rates on my debts. Credit card companies don't want you to get out of debt and we are here to help. If you have a few minutes, I would like to go through your debts with you and see what we can do to lower your interest rates. I asked, "How do you know about my credit rating and my debts?" She said, "We got it from one of the credit agencies we subscribe to. They provided us your credit score and the amount of unsecured debt you have which is around $33,000." I said, "I pay my bills on time and I have recently lowered my interest rates on a couple of my debts in dealing with creditors myself. Why would I need your service to do that? She said, We have a team of professionals who can do it better than you can. It is to your advantage to hire us instead of doing it on your own. I said, "What is this going to cost me?" She said, Well, we need you give us a list of your debts and their account numbers so we will know what we can do for you. There is no "out of pocket" expense to you. I said, "Anyone can call me here and claim to be anything they want to believe they are. I will NOT disclose that information until I have investigated your company." She said, We are Financial Trust Resources you can go to our website. FYI: I investigated this company a little further and found out they do charge fees for thier services. [The Better Business Bureau site lists their DBA as "JDT & Associates". They currently have at least 5 outstanding complaints that were NOT responded to in the areas of: Credit or Billing Disputes, Refund Practices, and Guarantee or Warranty Issues.]