I have music going on my computer therefore I put the receiver by the speaker and let whoever is calling listen to music and after they hang up so do I.
I do owe alot of people, lost my job. I am starting to get this whole "Obama public assistance thing" as I fight to keep my house, car, groceries, etc.... no answer, no message. They (Credit One Bank) seem to call on different numbers. I have never, and will not answer any phone that I dont recognize, DUH!