Ugh!  You pick up the phone, hear a silence, then a click, followed by a friendly sounding voice introducing themselves, sometimes its Debbie sometime a different name.  Are you sick of getting telemarketing robo-dial phone calls that sound like that?  According to the Federal Trade commission , they are most likely illegal in addition to being annoying.

Debbie is most likely not her real name and she is probably not even affiliated with your credit card company.  This “Debbie”  person is not really interested in lowering your interest rate.  No! She is trying to trick you into giving her your credit card information so she and other scammers (that she sells your info to) can bill you thousands of dollars, for deceptively advertised “services” that don’t stand much of a chance of reducing your rates.  In some cases, the FTC reports that consumers have even been charged when they decline.

Thankfully, that the Federal Trade Commission has filed several lawsuits against a dozens of companies the agency says are behind these deceptive tactics.

If you are getting unsolicited robo-dial telemarketing calls to your cell phone, the company may be in violation of the Telephone Consumer  Protection Act (TCPA) and you may be entitled to compensation.  Please give my office, The Law Office of Todd M. Friedman a call today at (877) 449-8898 to discuss your case today.

Published: December 18, 2012

Updated: March 28, 2025


This is attorney advertising. These posts are written on behalf of Law Offices of Todd M. Friedman, P.C. and are intended solely as informational content. These blogs in no way provide specific or actionable legal advice, nor does your use of or engagement with this site establish any attorney-client relationship. Please read the disclaimer


More Insights from the TMF Blog

Credit Reporting Errors: How to Fix Your Credit Report and Sue for Damages

Table of Contents Key Takeaways Credit report errors affect millions of Americans, leading to denied loans, higher interest rates, and employment rejections. Understanding your ...

Unfair Business Practices: California’s UCL and Consumer Protection Remedies

Table of Contents Key Takeaways Four-year statute of limitations applies to most UCL claimsCalifornia’s Unfair Competition Law provides consumers with powerful tools to combat ...
a group of people in a courtroom looking at a screen

Delta’s Pricing Practices: Building the Case for Legal Action

Dynamic pricing algorithms used by Delta Air Lines may violate consumer protection laws, potentially leading to class-action lawsuits. Previous legal precedents set by actions against other companies over algorithmic bias and discriminatory practices could help challenge these systems. Various attributes like zip code, device type, or browsing history that impact pricing could lead to violation of consumer protection and civil rights protections. Investigations by multiple agencies signal a move towards a stronger stance against such practices.