Nov 8: Answering machine spam: Recording of Chris with LPM

"Hello. This is Chris and I'm calling with LPM. We're showing it's time for you to get a rate reduction loan. With this loan, you can lower your monthly payment, get cash out, or even both, at rates of lower to your benefit, regardless of credit, so give us a call at 1-877-619-3863, today or tomorrow, and we will do your appraisal for FREE. Again, the number is 1-877-619-3863. Thanks. Have a great day."

"at rates of lower to your benefit"? I'm not sure exactly what the recording said, but I couldn't interpret it in any way that makes sense.