Mitch Katz of the Federal Trade Commission knows that Whistleblower has been hunting for Rachel from cardholder services for months.That's why he called me this afternoon to make sure I saw the FTC's enforcement action against three companies that "allegedly made robocalls to sell worthless credit-card interest-rate reduction programs for hefty up-front fees of as much as $1,495."

Federal courts in three states - Illinois, Georgia and Florida - ordered the companies to stop the automated phone calls, which the FTC says not only violate telemarketing rules, but also don't deliver the services they offer. They claim to be from "card services," or "account services," or some other variation, and they make promises about lowering credit card interest rates. According to the FTC, they're violating just about every telemarketing rule - blocking caller ID, calling people on do-not-call lists, hanging up when people ask too many questions, etc.

Here's what FTC chairman Jon Leibowitz had to say:

"I don't know if this going to stop Rachel," Katz told me. "I can tell you this is going to stop a lot of the calls."

Though many of you have contacted me saying you have figured out Rachel's true employer, these businesses were all new ones for me: Economic Relief Technologies, LLC, Dynamic Financial Group (U.S.A.) Inc., and JPM Accelerated Services (JPM). There are all sorts of affiliated companies and individuals named as well, which are listed below, as described by the FTC: