(October 30, 2012) -- You just sat down to dinner and the phone rings. Who is it? The annoying interruption is from a robocall—one of those prerecorded telemarketers making a pitch. These days more and more people across the country hear the voice of someone who says she’s Rachel from Cardholder Services. She advises that it is urgent that you call back and that even though you don’t have bad credit, she can lop off the interest rate on your credit cards and reduce your mortgage payments. Just press 1 and help is on the way....