This is the hated telemarketer RACHEL who calls day after day, on all do-not-call cell phones and home lines, and who will NOT lower your interest rate

RACHEL will not lower your interest rate

Heather is another do-not-call violator who tries to trick people by saying she is from "account services" but you need to call to lower your interest rate.

Heather of account services

The individual health insurance mandate provides fodder for scam artist TOM who violates do-not-call laws to sell health insurance. 

Gaile Irene