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If you have a phone, chances are you have received an unsolicited
phone call from an agency claiming to be able to lower the interest
rate on your credit cards. I have received a number of these calls
myself and I don’t even carry a balance on my credit card.
Thankfully, the FTC is taking action.

http://www.washingtonpost.com/blogs/post-tech/post/ftc-announces-new-crackdown-on-robocalls-thecircuit/2012/11/01/b2bb2536-242e-11e2-9313-3c7f59038d93_blog.html

As folks continue to struggle with credit card debts, agencies such as
these targeted by the FTC continue to pop up. They prey on those in a
difficult debt situation and scam them out of money they could have
used to legitimately pay down those debts. Could you use $50,000 to
pay down your credit card debt? According to this article, the FTC
has offered a $50,000 prize if you can come up with a new technical
solution to combat these robocalls.

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Kevin Fallon McCarthy is the McCarthy Law PLC’s managing attorney and an experienced Phoenix debt attorney. Mr. McCarthy has also worked as general counsel for a large corporation. He has corporate counsel experience in human resource matters, general corporate governance, and union class action litigation.