[dfadsadsf]

Does cold calling still works? I get so many spam calls that unknown numbers just go directly to voicemail that I check every other week or so. Pretty much everyone around me does the same. I do not remember when I got last legitimate call - it's all spam now.

The link you have is about business debt - that's likely much more collectable than CC debt.

[TZubiri]

The general rule is that if you see an attack/ad, it's because someone is falling for it.

Attacks have costs, no matter how marginal, and if someone is paying that, they are probably funding it with the victim payouts.

Very rarely will attacks be funded on hopes, and if that happens, it's not for long until they run out of funds and energy.