You. Hello, sir. Good afternoon. My name is Fernand and I'm calling you from American Services. My record shows that you still owe more than $10,000 on your combined credit card and you are making your monthly payments on time right now. We can also see that most of your money each month is going towards interest and finance charges. Dollars, right? My record show that you still owe more than $10,000 on your combined credit cards and you are making your monthly payments on time right now. We can also see that most of your money each month is going toward interest and finance services and your overall balances are not coming down significantly. So to let you know right up front, sir, this is not about any kind of sales call or debt consolidation refinancing or credit counseling loan. So sir, based on your track record of making payments on time, I am calling you to give you free advice and information about the option to get all of your monthly payments reduced by almost half and get on with sir. Okay, I'm going to explain you, sir, to get on with only one monthly payment at no interest charges. This way, you can pay off your debt completely, very quickly rather than paying them per year or per rubber. Not only this, sir, along with your monthly payments, your total debt can be reduced by 40% to 60%. So, for an example, let's say you owe around $20,000 in debt. Now under this option, all you will end up paying is only right around 12,000. Approximately 8000 will be your savings which you do not have to pay back ever. And as I told you, sir, you can pay up your debts by making only one monthly payment at no interest charges. Okay? Also, to let you know, sir, this is a no cost obligation call to give you information and I'm not asking you to take any decision right now. Okay? So sir, to give you more information about this debt saving option, I am sure you are the one who this bills mostly on these credit cards and handles the finances, correct? No.