So here is the inside scoop, since all you consumers are so worried about these calls.... Here is IN DETAIL how things work from start to finish, why alot of people think we are scamming them, and why we truly are not a scam. Before you judge me atleast read it all, i have no reason to lie on here, people like you dont make my paycheck fatter, just make me smile that much more throughout the day

1) THE CALL- Whether its Heather, Ryan, Rachael, Jeff, whoever is calling you with the initial prompt, it is designed to encourage customers to respond. Each independant office (There are around 100/major city at the moment) is routed calls when you press 1 based on how good they are in with the advertiser, and how much they will pay for the leads. The reason people are recieving so many calls is due to the amount of offices running off each advertiser you do the math on how many phone numbers exist minus the number of "Known businesses and numbers".

2) THE FRONT- So when you actually press one you talk with a fronter, their job is make sure that you owe over the minimum in debt (Usually 3k depends on owners) that is at over 12% (maybe different per office). Assuming you make all your payments and are in good standings (Not close to credit limit) the fronter calls the bank to ensure you owe enough and you made your last payment assuming you qualify and go to the closer.

3) THE CLOSE- Basically this is where alot of people get lost and believe its a scam, i work for a legit company so im going to explain the basics. Before they go into anything if its a legit company they will give you their name and number during this process, theyre supposed to in the beginning. The closers job is to make you understand that we are going to save you a guarantee of X based on what you owe, but "In reality" we will save you Y, and that our processing fee Z is going to be absorbed by X. Basically if we guarantee you 2500, well save you 4000, and youll pay us 1195 out of the 2500 guarantee. Ill explain more about this in step 5

4) THE VERIFY- After agreeing to pay the fee your sent to a 3rd party FTC >.< monitored recording (i know that just made you all so happy, yes the ftc has a laundry list of our company's, and is only shutting down the scam offices) to authorize the fee and give you the refund policy(If they dont save you X in 60 days you get Z back) This is a contract in all reality.

5) THE FULLFILLMENT- So after you get your packet (7-10 days) and fill it out and send it in they lower the rates on your accounts, this is the simplist and most straightfoward of the processes. Now if you were sold by most companies your guarantee will be 2500 let me show you how easy it is to save 2500, at 3k if your over 12% and you get the rate lowered 2% you just saved around 5k, and we get our Z for saving you 2%, that is why its not really a scam, just most people dont understand interest well enough

Ill throw you a bone, pester him to death, when the chick picks up hit on her, just dont say how you got the number
Sunny Blanco 866 387 4705

Talk to you tomorrow Loosers ;)
M.A.K.

Just got a card services phone call. One with the hit 9 to lower your interest rates. Planned to just tell them I was on the national do not call list & then report them on line. Asked the guy the name of the company & their phone number (in case we got cut off). He said Card Services & He gave me 866-944-1501 which connects to (among others) the NY PayPass number. When I told him it was illegal to call people on the do not call list & that I was going to report them he said, "We have a new policy. For us to not call you, you have to blow me."
What a loser!! I did report it, but I don't guess it will help.

WASHINGTON--The Federal Trade Commission essentially banned robocalls Tuesday--creating new rules that telemarketers may only send the prerecorded sales pitches to people who actually want to receive them.

The FTC amended its Telemarketing Sales Rule after reviewing more than 14,000 comments made since October 2006, when proposed amendments were published for public consideration.

There are two stages to the change: By December 2008, robocalls will be required to include an automated key-press or voice-activated opt-out. Beginning September 2009, telemarketers won't be able to send out any robocalls without "the prior express written agreement of the recipient to receive such calls."

There are no exceptions for telemarketers to send robocalls to customers with whom they have an "established business relationship," as an earlier policy allowed, but there are some exceptions. Health care-related calls subject to the Health Insurance Portability and Accountability Act of 1996 are still allowed, as are charitable fundraising robocalls made to members of the nonprofit charitable organization for which the call is placed, or to people who previously donated to it. The fundraising calls must still include an automated opt-out, however.

The strict limits won't stop robocalls from political campaigns, either."Political calls are not placed for the purpose of inducing purchases of goods or services, and therefore are not 'telemarketing' within the meaning of the TSR," the FTC notes in a footnote of the amendment.

Congress made some attempts this year to address annoying prerecorded political phone messages. The Robocall Privacy Act of 2008, introduced in both the House and Senate earlier this year, would put a number of limits on robocalls from political campaigns, including the number of calls made to a house in one day and the hours such calls can be made.
http://news.cnet.com/8301-13578_3-10021092-38.html

If anybody looked into Leverage Connections it was shut down in 2008 and clear Financal was shut down in feb 2009. The companies were shut down because other companies like Lisa's in other posts and recently on the news were illegaly using our name. We do not do any robo calling so you are after the wrong company. Clear Financial was a fulfillment company that serviced customers that other companies sold. I am sorry for any annoing calls that you are recieving but it is not from us.

Based on a report from another forum, Cristopher and Steven Rubini, DBA Leverage Connections, have recently moved:
Their current address is reported as:

Christopher and Steven Rubini
3 Fox Ridge Dr.
Milford, Connecticut 06776

They have apparently changed the name of their scam company to Clear Financial Solutions. Can anyone confirm this and supply a telephone number for theire residence or upper management? Thanks.

This info comes from the Stopping Heather Forum. For more on this thread find the topic, "Other," and look for the posting dated June 11, 2009.

After getting the Info on 'Leverage Connections' yesterday.
Today I got the typical phone call "this is your final offer to lower your interest rates". But now armed with the 'Rubini' info I got really deep in to the call all the way to the Manager this time ... I passed the first filter and talked with an agent who gave me a lot of info on who this company was.

I learned that it's really the "Lead Providers" fault for the annoyance calls but then what do these companies expect hiring out stupid monkeys to do their work you would think that they have all the time in the world and money to spend.

the Managers name is Mark (he would no give me his office number)
the real corporate office number is (561) 886-1150

the web site is
http://www.acchelp.org/about_acci.php

the agent's number is 1(800)763-1870 #7222 Jane Adams

the BBB reports for both companies
http://www.seflorida.bbb.org/BusinessReport.aspx?CompanyID=92007583

http://www.seflorida.bbb.org/BusinessReport.aspx?CompanyID=22000308

their addresses
The Consumer Law Group, P.A.
2001 W. Sample Rd., #412
Deerfield Beach, FL 33064
Phone: (800) 814-6756
Fax: (954) 691-2169
Contact: Michael Metzner - Esq.
Business Start Date: 11/9/2007
Company ID: 92007583

Nature of Business:
This companies nature of business is classified as Debt Settlement Services & Attorney Services
Agency: Deerfield Beach/Tax Collector
License Number: 0825340

(954) 935-3171
(561) 482-8894
(800) 763-1872

fax
(561) 886-1304

---

American Credit Counselors, Inc.
23123 State Road 7, Suite #210
Boca Raton, FL 33428
Phone: (561) 886-1150
Fax: (561) 886-2897
http://www.acchelp.org
Contact: Michael A. Hirschkorn - President
Business Start Date: 8/24/2001
Company ID: 22000308

Nature of Business:
This companies nature of business is classified as Debt Settlement Services & Attorney Services

Agency:
Boca Raton/Tax Collector
License Number: 2002-21463

Phone
(561) 886-1170
(877) 487-2273
(561) 886-1166
(561) 883-2551
(561) 883-2468

fax
(561) 886-1159
(561) 883-3212
(561) 886-1188

Denise Lettau (Manager)
Jackie Mason (Complaince Manager)
Rachel Rosenberg (Manager)
George Levin (Director)

So much for Fidelis Being Innocent. . .

While working with technology supplied by Kohlfeld's Network Foundations, James Dunne, who owns Voice Touch with his wife, Maureen, claimed to have done more than $40 million worth of dialing for extended warranty companies, including more than 1 billion calls for Missouri's National Auto Warranty Services, according to court papers.

That company, now doing business as US Fidelis, is one of several firms sued by former Missouri Attorney General Jay Nixon last year for misleading sales pitches.

Philip Jehle, the former chief financial officer and vice president of operations at US Fidelis, told FOXNews.com that he raised concerns about James Dunne and Voice Touch in June 2007, eight months before the company says it stopped using the Dunnes' firm.

"I did everything I could to try and dissuade them from this and they refused to do anything," Jehle said of US Fidelis management. "I could not stand by knowing that the company was continuing to violate the [National Do Not Call Registry and the FTC Act]."

"These calls were placed at random, they had no idea who they were calling," Jehle told FOXNews.com. "They would just blast whole area codes. It was really egregious."

Jehle, now a self-employed accountant, resigned in October 2007. US Fidelis sued him regarding that departure, but it dropped the case two months later, he said.

In a statement to FOXNews.com, US Fidelis officials characterized Jehle's account as that of a "disgruntled" former employee.

There is a lot more updated info on this over at http://www.foxnews.com/story/0,2933,526357,00.html?mrp

A Peek Inside One Telemarketing Firm Ensnared in FTC Lawsuit

Monday, June 15, 2009

By Joshua Rhett Miller
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After just four days as a telemarketer at Transcontinental Warranty, Mark Israel quit. He couldn't take all the dishonesty and the "screaming and yelling" from irate consumers.

A declaration from Israel, of Boca Raton, Fla., is a key component in a Federal Trade Commission civil lawsuit against the Florida company, which is accused of using illegal, prerecorded calls — or robocalls — and blatant misrepresentations while hawking bogus car warranties.

After finding an advertisement for the part-time position on Careerbuilder.com, Israel was hired on the spot and was among 30 other operators selling what were actually extended service contracts that cost up to $3,000. He knew something was wrong right away.

"After listening to several telephone calls, I learned that Transcontinental was engaged in a practice called 'robo-calling,'" Israel told investigators. "That is, Transcontinental somehow used automatic dialers to call consumers and play a pre-recorded message that allowed consumers to 'press 1' to talk to a live agent, or 'press 2' to be removed from the company's calling list."

The name of the game at Transcontinental — one of three firms that received a preliminary injunction last week and saw its assets frozen in connection to two related FTC cases — was "Hang Up. Next."

"Not only was this motto written on signs throughout Transcontinental's business premises, but I heard supervisors repeatedly make this statement as well," Israel said. "Essentially, this meant that if the consumer did not readily go along with the scripted telemarketing pitch, I should immediately hang up on the consumer."

The sales campaign was "rife with misrepresentations and outright lies," according to court documents, including the assertion that Transcontinental was somehow affiliated with car manufacturers and the fabricated sense of urgency that the offer would expire soon.

The FTC alleges the random dialing also reached numbers registered on Do Not Call lists and that Transcontinental used "spoofing" techniques to mask the source of the calls.

"When someone is spoofing a phone number, of course, it's hard to find out who they really are," FTC Chairman Jon Leibowitz told FOXNews.com. "Sometimes an employee or a past employee who's upset with the scheme or the scam that's going on will report to a law enforcement agency or the FTC what's going on and then we'll find out who they are. But it's very, very difficult."

Click here: Behind a Massive Robocall Scam, Four Human Faces

Israel, who typically fielded about 100 calls per hour, said supervisors told him to never divulge the company's name.

"In fact, my trainer told me that telemarketers could be fired for giving out Transcontinental's name," Israel told investigators. "Instead, I was told to make up a generic sounding name like 'Warranty Services,' or, in keeping with the company's motto, to simply hang up."

Israel estimated that 99 out of 100 consumers he spoke with complained that Transcontinental continued calling despite requests to be removed from its calling list. Still, some telemarketers sold 14 "warranties" per week. Israel himself sold three in four days.

Just prior to leaving the company, Israel had a quick meeting with owner Christopher Cowart.

"I … asked him what was the key to selling the most warranties," Israel said. "He said that the telemarketing script had been proven to work, so I should stick with it."

Cowart, meanwhile, disputed Israel's claim regarding the company's motto.

"I believe he's mistaken," Cowart told FOXNews.com. "We're completely transparent and have nothing to hide."

Cowart, who said he's cooperating with investigators, said the allegations of illegal sales and tactics are inaccurate.

But some consumers are still getting calls, despite the legal action

Bernard Barczak, of Voorhees, N.J., said he received up to three pitches per day beginning about two months ago. In the dozens of calls, he always pushed '2' to speak to a so-called warranty specialist. Barczak said he frustrated a telemarketer when he asked for a number to return the call later. Instead, he was given digits for a pornography hotline.

"The man was rude, he knew I had him and he got even," Barczak told FOXNews.com. "I've always been really fearful of telemarketers. If I can't see it, I'm really leery."

Better Business Bureau spokeswoman Alison Southwick said the agency has received more than 300,000 inquiries from consumers related to extended auto warranties in the past two years. And since most people don't bother to complain, that's likely the "tip of the iceberg," she said.

And the telemarketers have moved onto new schemes since the FTC's suit, including robocalls pertaining to lower mortgage and credit card interest rates. Southwick said the entire industry has "some clean up to do" and that some firms are targeting areas where consumers need the most help right now due to the struggling economy.

"It doesn't matter where you live, you've probably gotten one of these calls. I personally received a call at my office at the Better Business Bureau, which is ridiculous to think about. They called and said my auto warranty was about to expire; I don't even own a car."

Card Services is part of Bank Of America. and there phone number is 1-800-441-7048 or 1-216-545-4100 It took me a 1/2 to speak to a real person. Call them and ask if they want their interested rate lowered. I'ts fun

I just got a call from Card Services. Knowing all about the scam, I had som fun. It went something like this:

CS: "Thank you for calling Card Services, can I have your name?"
ME: "Do you enjoy sitting in a room calling people trying to scame them? Is it a rewarding line of work?"
CS: "Why do you think you're talking to, b$%#! I'll %$#& you up! YOU HEAR ME?"
ME: "Sorry. Anyhow, what was that about my interest rate?"
CS: *pause* "Uh..."
ME: "Gotcha."
Then I hung up.

I have been given this statement, if this is my last and final notice then stop calling me.

I have been getting daily calls on my land line and cell from Georgia Minissota Utah ect.. I have pushed one and talked to someone and asked to speak to there supervisor to get my numbers off their list. Their responce has been " they (the supervisors) are not trained to take these do not call requests" or "they are gone to lunch" it is 2:30 in the afternoon.
I don't even live in the states, I'm from Canada and we are being harassed here. The other day I was told to stop answering or change my number if I don't to listen to their messages.

This is bull shit these companies should not be calling other countries and harassing us.

These callers know they are working for scam artists, they are just to fucken lazy to off their ass and get a real job that requires more effort then it takes to pick a phone up.

Manitoba, Canada and pissed off already

These calls are ridiculous. Supposedly if you hit 2 as the person is talking, your name gets put on a do not call list. Doesn't work.... The next day they are calling again. I have decided to just hang up on every call I get like that.

The law allows you to sue telemarketers for $500 to $1500 a violation. Some phone calls contain 3 or 4 violations. I personally logged over $20,000 in telemarketing violations in May 2009 for myself, while working at my home in Connecticut. I am now in the process of suing them. My name is Robert Harmon and I am an attorney licensed in New York. If you live in New York and want me to sue telemarketers for you on a contingency basis ( no upfront cost to you) e-mail me at harmonlaw@optonline.net. Ask for my free instructional log sheet so you can start documenting the calls you receive today.
If you live out of N.Y. state I am available to consult.

This has changed my whole way of thinking about telemarketers. Instead of loathing the calls, I look at them as $500 bills, and am very grateful to receive them. Not every telemarketer is worth suing, but most are.

I received several Robo-calls using Mike Huckabee's voice a couple of months ago.

I did some research and came up with the home phone number of the CEO of the Robo-calling company/Corporation. I left a message and the CEO returned my call. With a dog barking in the background, he took my name and assured me that he would have his IT staff remove my name from their calling list. I have not received any more calls.

I haven't published his phone number yet as I wanted a legal opinion first as to any liability I might incur.

His company donated around a quarter million dollars to the Republican party last year, 2008. Many members of his family donated to Sarah Palin, John McCain, Norm Coleman, etc.

I will say that he lives outside St. Paul, Minnesota and has an office in Beaverton, Oregon. He has other offices as well.

http://www.fec.gov/finance/disclosure/disclosure_data_search.shtml along with whitepages.com are great resources.

Any feedback is welcome.
Thanks

So far this month I've received four calls from people trying to sell me a Disney Bahamas Cruise Vacation. The spoofed number is 1-407-933-2678. A check of the web site by the above name provides a toll-free number, 1-800-951-3532. Since this outfit is obviously working under the radar for Disney, let's dump the problem in their lap. Be sure to make your complaints from a non-traceable phone, otherwise dump on 'em big time! Oh, and tell them you're Senator Charles Schumer. That seems to work.

You can report telephone scams, and violations of your "Do Not Call" listing, at:

https://esupport.fcc.gov/form1088/1088bform.do

You can report scam calls, and calls disregarding your "Do not Call" listing, to the Federal Communications Commisssion at:

https://esupport.fcc.gov/form1088/1088bform.do

Excerpts In Quotes Are From CNNMONEY.com
May15, 2009

"A Network Foundations Inc. spokesperson, who did not want to be named, said the FTC's lawsuit against his company ‘is a misunderstanding.' "

"We are a hosting company. We have nothing to do with call centers and we are going to court today to state our case," the person said."

* * * * *

Ya. Ve vuz all good Nazis. Sieg Heil!

* * * * *

"Voice Touch Inc. and Transcontinental Warranty Inc. could not be reached for comment."

* * * * *

Maybe the numbers CNN called were spoofed. Ya Think?

Wall Street Journal
PAGE ONE
MAY 15, 2009
Peeved at Auto-Warranty Calls, a Web Posse Strikes Back

By GEOFFREY A. FOWLER

Millions of Americans have gotten the call.

"This is the second notice that the factory warranty on your vehicle is about to expire," says the recorded voice at the other end of the line. Most people hang up. The machine calls again later.

Michael Silveira decided to strike back. The 22-year-old laboratory technician, who doesn't own a car, says he was getting unsolicited sales pitches as often as twice a day on his cellphone.

So last week, Mr. Silveira began calling back an auto-warranty company that has become the focus of an Internet crusade. He left it voice-mail messages that contained nothing but a recording of Rick Astley's 1987 hit song "Never Gonna Give You Up."

Using phone numbers for Auto One Warranty Specialists Inc. that users posted to a Web site called Reddit.com, Mr. Silveira joined dozens of activists who have peppered the warranty company with messages including elevator music, threats and offers of rude services.

"I thought, if you get a bunch of people together, you could blow up their voice-mail boxes," says Mr. Silveira.

The recipient of their efforts is David Tabb, the 42-year-old president of Auto One, an Irvine, Calif., warranty company with 60 employees. He says Reddit users overloaded his phone lines with computerized calls, changed voice-mail greetings on his company's system, and even threatened arson. People have been conspicuously honking outside his home, he says. To cope, he redirected some of the numbers that activists had been calling.

All of this happened, he says, with no evidence that his company had done anything wrong. "Ninety percent of the people complaining about my company have never been contacted by my company," he says. He hires third-party marketing firms to call consumers -- but says he pays a premium to ensure they call only people who have opted in to receiving solicitations. Many warranty calls come from so-called "ghost" phone numbers that make it nearly impossible to determine their origin. Mr. Silveira can't be certain Auto One is behind the calls he got, but he says he came to believe it was responsible for some of them after reading the Reddit postings.

Like most vigilantes, consumers who decide to take matters into their own hands with auto-warranty touts are in legally murky waters. Leaving harassing messages could be considered a threat, and might be prosecuted by authorities in some states.

Connecticut's attorney general, Richard Blumenthal, who because of complaints has been looking into the marketing practices of Auto One and other warranty marketers for more than a year, warns that consumers should "avoid breaking the law simply for revenge."

But Mr. Blumenthal, who has received warranty-expiration calls several times himself, is sympathetic to the vigilantes. "The telemarketers would be on very shaky ground making a complaint about the use of practices directed against them that they use on consumers," he says.
Swarm Attack

A lot has changed since angry consumers sought revenge on mass marketers by taping postage-paid return envelopes to bricks and putting them in mailboxes. A new generation uses online mobs to launch swarm-style attacks aimed at shutting down Web sites or at disrupting business in ways that an individual never could. Sites such as whocalled.us collect data about certain marketers to warn other consumers.

Marketers hired by auto-warranty companies use computers to automatically send recorded messages to lists of U.S. phone numbers, sometimes including cellphones. People who listen to the calls and want to buy auto-warranty plans are then forwarded to the warranty firms, according to Mr. Tabb.

The Federal Trade Commission and many states compile "do-not-call lists" that telemarketers are supposed to consult before trying to contact consumers. Autodialers, automated messages or computerized messages may not be used to contact cellphone users under any circumstances, according to the Telephone Consumer Protection Act of 1991.

On Thursday, the FTC filed a complaint against three companies -- not including Auto One -- that have placed more than a billion so-called "robo-calls" to sell extended warranties. They are seeking a temporary restraining order against these companies, and seeking redress for consumers who bought the extended warranties.

Auto One's Mr. Tabb says some unscrupulous marketing companies will buy underground lists of phone numbers and then call consumers even though they are on do-not-call lists. "If people have problems with these robo-calls or buying data, the focus of attack needs to be on these marketing companies, not on me," he says.

Mr. Tabb says that in 2007 his company paid an $8,000 fine for working with a marketing firm that violated do-not-call lists, but he wasn't aware that company was breaking the law when he hired it. In an unrelated matter, Mr. Tabb pleaded guilty in 2000 to conspiracy to commit mail fraud and tax evasion for his role in distributing counterfeit Hollywood and sports memorabilia and was sentenced to probation. He declined to discuss that case.

The Auto One campaign took root on Reddit, a social media Web site owned by Condé Nast Publications on which users post links to content. On May 5, a Reddit user identified only as "syntax_erorr" launched a discussion titled, "Want the phone number to the 'Your car's warranty is about to expire' people?" After one call, the Reddit user stayed on the line and managed to get a name and number -- for Auto One, he says -- from a salesperson.

The Reddit user posted two phone numbers for Auto One. "Please call them 20, 30, hell, 50 times a day," this person wrote. "It's what I did and finally the guy said, 'Look, we will take your number off our list just please stop calling here!'" The Reddit user didn't respond to an interview request.

Within hours, hundreds of messages had been posted in response to the appeal. One participant, who asks to be identified only as Justin, says that the Reddit community never harmed anyone. "If we have an opportunity to at least annoy the hell out of them, then why not," he says.

"We're currently investigating the thread in question, taking action where we deem appropriate," said Reddit product manager Alexis Ohanian.

According to comments posted on the site, campaigners eventually figured out how to gain access to Auto One's voice-mail system. They began work on a virtual map to extensions 300 through 490 on the system, and digging through saved messages for more information on the company -- a legally dubious act.

A Moral Quandary

They also came upon Auto One's physical address in California and posted it on Reddit. That created a moral quandary among members of the community about what to do next. One campaigner, who lived nearby, offered to go to the office and take photos of people who work there.

Michael Silveira

Mr. Silveira reckons they should just catalog information they've gathered about the company, hoping that it can help others. "The Internet is evolving, and is allowing for groups of people to do their own justice socially," says Mr. Silveira. "It's as if we all live in one small town in an old Western movie, and once your picture goes up on the bulletin board as wanted for some deplorable crime, nobody forgets."

Mr. Tabb, on the other hand, says Reddit users have jumped to conclusions. "They played judge, jury and executioner on a company that they haven't even proven has done anything wrong," he says.

But he empathizes. He says he understands why some people get upset about the unsolicited calls, adding that he himself has never received an auto-warranty call.
—Joseph De Avila contributed to this article.

Write to Geoffrey A. Fowler at geoffrey.fowler@wsj.com

All you folks hoping for a little payback just got your chance! Network Foundations, one of the outfits just busted for the the car warranty scam calls still has a working number; (954) 987-3406. go get 'em!

COURTHOUSE NEWS
Thursday, May 14, 2009 Last Update: 7:17 AM PT FTC Goes After Auto Warranty Telemarketers

CHICAGO (CN) - The FTC charged Voice Touch and Transcontinental Warranty with consumer fraud and deceptive telemarketing: making mass "robocalls" alleging that people's auto warranties were about to expire, including to people on the Do Not Call list. The tactic made national news this week after a congressman received such a call.
Voice Touch is charged with injuring consumers by misrepresenting material facts, violating the Telemarketing Sales Rule, ignoring Do Not Call Requests, ignoring the Do Not Call Registry, abandoning calls, failing to transmit caller ID, failing to make required oral disclosures, initiating unlawful prerecorded messages, and failing the pay the national registry fee.
The FTC filed separate complaints against Voice Touch, Network Foundations LLC, James E. Dunne, Maureen E. Dunne, and Damian Kohlfeld; and Transcontinental Warranty and Christopher D. Cowart, in Federal Court. All of the defendants are based in Florida.
The State of Oklahoma filed a similar complaint against Stored Value Marketing, in Oklahoma County Court. Stored Value is a telemarketer based in San Diego, Calif.

Heh, What they didn't say was that New York Senator Charles Schumer was the one who was harassed by these scammers. BAD IDEA! Apparently he's the one who sent the FTC after them Big Time. I wonder how many harassing calls the Dunnes, Kohlfelds and Cowarts have been receiving from reporters since this story broke - particularly CNN. Payback is Hell!

Looks like the calls will stop the FTC found the poeple and shut them down. It is all over the FTC website today. The same people that did the warranty dialed for the card services lower interest rate, Network foundations.

Here is the link to the ftc website.

http://www.ftc.gov/opa/2009/05/robocalls.shtm