This is Heather from Feldman Kia of Novi. I just left you a voicemail. I wanted to reach out to you because Feldman has arranged a new 0% financing program through our lenders. Our records indicate you are paying {interest_rate}% on your 20{year} and this special program would be a great opportunity for you to lower your payment and get into something new. If you're interested please call me right away as the program is only available for a very short period of time. My number is 248-516-7840.