I turn my sound off, relax and enjoy things! who cares. don't stress out its not like a big deal. I owe everybody money it don't matter to me to bad you have to wait tell I win the lottery. Get a caller ID so if you know it is just call them back. If it is someone you don't know up theirs. Get a cell phone and don't give your number out to anyone except your friends and family. Especially on any apts etc..