My Neighbors are Crooks

Not my house nor in New Orleans.

In Atlanta our office is located next to "Financial Services". Through the wall I can clearly hear them calling people all day every day, saying that their targets they have an exemplary payment history and they can lower the interest rates on all of their credit cards to 7%.

I also hear them asking people to confirm the balance on credit cards they got from "the Credit Bureau". I thought that was illegal.

After getting someone hooked, they disclose a need to pay a $990 fee, at the current interest rate, which will lower their rate on their credit card to 7%, which will pay for itself in savings at at the new lower rate.

I'm not sure how it works. I'm sure it's crooked.