This company called me with an unidentified number on my phone. We actually have a block on our phone to prevent any unsolicited companies from calling...however, their call was able to get through since it showed up as an "unknown caller" on our phone line. The person from Premeir debt solutions did not immediately identify what company was calling...only that they could significantly lower any interest rates on any of my Visa or Master Card Credit Cards. The person eventually identified himself as Chad Turner @1-866-387-4704 ...never really telling what company he was representing though. Only that the company was a credit card services company representing customers to enable them to significantly lower their current credit card interest rates...he explained to me that it "was similar to refinancing your home mortgage" they would basically renogiate a new lower interest rate for you and essentially roll in their cost but they would not charge you anything out of your own pocket since in reality they would be saving you as much if not more than $2500 . Never was I told until AFTER I gave out my credit card and personal information that I would basically be charged a fee of $695 simply so they could call my credit card company with me on the line to try to negotiate a lower interest rate. My credit card company however would not negotiate a lower interest. As soon as I realized that they were only doing what I could have done for myself at no cost and as soon as I refused further assistance from them they began harassing me and insisting that what they were doing was for my own good and basically became very pushy and insulting ...they tried to convince me to allow them to transfer my current balence on that credit card to another bank card ????which they would then tack on their fee and supposively give me a lower interest rate. I refused and said I would not make that kind of decision over the phone. They transferred me to another "financial assistant" and she again tried to convince me to transfer my balance and was very pushy and basically rude...told me that I had wasted their time and they were only trying to get me out of this debt that I had gotten myself into ...even started to ask me financially personal questions which I refused to answer. I told her that I had not called them and did not want their help. She ended the call with saying "you are in deep financial trouble" ...???? I hope we can help you...in the future. Had I known who was calling and what their intentions were from the beginning I would never have agreed to anything... their practices are unacceptable and they completely misrepresented themselves and were insulting and harrasing!