These services prey upon peoples hopes and dreams and add to their despair. At recent hearings in Greenville and Columbia. SC. I heard from my constituents. and there is no doubt in my mind that this legislation is needed. One woman received a call on a night while she was trying to figure out which bills she could afford to pay that month. The call promised that she would receive a VISA card if she called a 900 number. She was charged $50 for the call and got nothing. not even an application to complete. Another constituent had 900 charges on his phone bill one month.