Hi. Thank you for taking my call. This is ███ from Credit Monitoring. How are you doing? Well, I have received a pre litigation notice tied to your profile and I'm required to explain this to you verbally. Okay. Hello. Well, this is ████████ from cms credit credit monitoring services. Okay, Well, I am talking about your existing credit cards. CMS stands for Credit Monitoring Services. We are a financial review company that helps consumer understand how their interest. Can you please repeat? Cms stands for credit monitoring. Beg your pardon. Beg your pardon. We have received your profile from Experian because we are officially allowed to work with them. Okay, well, I am talking about your existing credit cards. Thank you. All right. Now, pre litigation does not mean a lawsuit has been filed. It means your accounts cross the risk threshold where creditors start reviewing whether to escalate, restructure or adjust the file. Now, if you ignore this stage, the system simply assumes you're maintaining the debt under the current term. All right? Hello? Can you hear me? And the only good part is you're still in the window where things can be reviewed before the changes become permanent. If we handle this now, your interest can be frozen, the structure can be reset, and your monthly pressure can come down. Okay, So you mean you don't have any unsecured balances under your name, like no medical bills, no credit cards, no personal loans? Is that what you're saying? It sounds like you're saying you don't owe anything under your name, right?