Nov 17: Recording of "Sheila" with "credit card services" scam

Woman's voice: "Hi. This is Sheila with credit card services. And I'm calling with an important announcement about your credit card account. This is our third attempt at reaching you. Our records indicate that we can now settle your credit card balances for as little as forty to fifty cents on the dollar. And reduce your monthly payments by as much as fifty percent. This is your final chance to participate. So press the number one key now on your telephone. To speak with a live operator. To substantially lower your monthly payments. Again, press the number one key now. Or press three if this call was made in error."