Hey, this is █████. As you've probably heard, our US financial system is going through an overhaul. It has been discovered that most credit card companies and lenders have broken important laws. The Fair Credit Billing act and the Fair Credit Reporting act. Major corporations have been taking advantage of consumers like yourself for years. What this means to you is that you may no longer be obligated to repay these. Debts. To make sure you get to take advantage of these developments. I'll now connect you. With a financial services consultant who can provide answers to any questions you may have. Please hold. You are the next caller in line. Please keep in mind our agents cannot handle opt out requests. If you wish to be placed on our do not call list, you may do so by hanging. Up within the next ██ seconds. Thank you again for holding. One of our agents are now available to speak with you. Please press. Four to be connected. Again. Please press for now to connect to an agent. If you would like to be connected to an agent, press for now. Otherwise the call will be disconnected. Thank you.