The same bank calls me 2-3 times a day. If I could buy that bank I would and fire most of the people that are so nasty. Did you know that most Credit Card companies have people calling from other countries and they are US banks? Trying the Consolidated and debt management groups seem to take just as much money and more time than just trying to get a loan to pay off debt to get a lower interest rate. Unemployment is considered unsecure.