I live in New York, have been on the do not call list and these people just kept calling me non stop. They must be using one of those auto fast dialer systems because I am told to press 1 and when I do a live person comes on and he says he is from universal card services. Then I gave him information off the top of my head and he took it. He asked me for private information like my credit card number and I said no. They wanted to call the bank with them on the line and I said no. They would have had all of my bank info. Then he had his superior call me back from a 818 area code but he gave me a 866 number and said now they are briter days debt releif. Then he said they have a office in Phoenix and Colarado but when I checked. they dont. These people try to take advantage of people. Hang up and dont tell them anything. After all of this happened I called my banks told all of them what happened and they said they would put me on a hardship program and that all banks have those programs for no cost. Be careful in life.