These guys call and say that I am behind on my mortgage payments (ha-ha-ha) and they can lower my payments several hundred dollars per month. It is always a pre-recorded message. But I DON"T HAVE A MORTGAGE!!! Since I have had a bazillion calls from them, I decided to listen to the message and when prompted pressed the number required to speak to someone. Some creep in a foreign country came on the line. He said my mortgage was several months past due and that I was lucky that my lender hadn't already foreclosed. I asked what company he represented and he became wary. I insisted on knowing the name of my "saviors" and he hung up! When the second call came in I did the dame thing. Nowhere in the message does it say the name or location of the firm calling!  This time a woman answered. Same routine and hang-up. So when the third call came in an hour later, I blew my son's soccer whistle near the phone receiver. Haven't had any more calls today.