Getting Personal: long-term care insurance, how to pay off debt

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Listening to advice to a man with $6000 in credit card debt at high interest, I wondered why the first advice was not for him to ask the credit card company for a lower interest rate? It works for me, but I have a long, good credit history. But it's always worth a try, since often another card might accept a transfer at a somewhat lower rate, if the man has kept up his payments.

Some collection people do business under multiple names, so writing them to stop just results in them moving the calls to another dba name. Calls continue and there doesn't look like any recourse. Any other ideas about how to make it stop?

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