“Hi this is John Baker trying to reach you from Credit Foundation of America. I’m calling in regards to a non-profit program that’s going to allow you to consolidate your credit cards to a drastically reduced interest rate. This is not a new loan and I’m actually surprised you haven’t called me back yet because I can definitely help you before your next billing cycle. Just have your statements handy please when you call me back and in addition we can discuss also financial budgeting. You can reach me toll free at 1-866-362-4800 and I’ll be working late tonight till about eleven pm. Thanks a lot and have a wonderful day."