That's against the law. According to my limited knoledge of the law, collection agencies or telemarketers cannot call you between the hours of 9 pm until 8 am. So a call at 4 am clearly falls in the prohibited zone.You can report this company to the trade commission and to the bussines commission. If there is anyway for you to get a physical evidence; like a phone company calls record, to show the time of the call and the phone number, you might even be able to sue them. I receive this calls all the time, I'm unemployed like the 10% of this nation, and are unable to make any payments to the CC companies. This people couldn't care less for whatever hardship you are going thru, they just want your money. Where is the economic relief??? I'll file BK if I had the money to do it, but I can't even afford that. I'm stuck in hell listening to my phone ringing all day from this people.