Company used automated call to number on FTC's "Do Not Call" list (a clear violation of the law).

The company conceals its identity and location:

Representative indicated that Company, Universal Card Services, has HQ in California (where I am located) but that he was calling from Phoenix. Not finding the company on the Internet, he pointed me to http://changeyourdebt.com/ which is the home page for Briter Days Inc (d/b/a Briter Days Debt Relief). He indicates that Briter Days Debt Relief is the parent of Universal Card Services.

Briter Days Website fails to disclose any physical address; it's telephone was answered by an answering machine.

He also represented that Universal Card Services is the "leading" debt reduction service company.