"Hello, this is Veronica from Member Services," with following comments asking me to "Press 1 to speak to a representative," or "Press 2 to be removed from this calling list."  This call was preceded by a call two minutes earlier with Caller ID, "Bechtel," with a number of 301-360-0350, which, when answered provided only a dial tone, leading me to believe the first call was to see if someone was home, to be followed by the sales pitch for removing my debt.