I've never filed bankruptcy, I'm on national and Indiana do-not-call lists, Indiana do-not-call lists have been very effective for us until recent times. Don't know, guess these people aren't concerned about any of that.
I got one today, and my phone service was just started YESTERDAY as we're in a new home!! It was St. Cloud, MN and I answered. It was a recording featuring "Bridget" telling me that she had information about my credit card account (what account at what banK???) and that my credit card account was fine, but....she had a way to lower my credit card rate and save me money. I hung up then.
I also have no credit card debt and have never filed bankruptcy. I'm getting these same calls from several different numbers. It doesn't help to press 3 and be taken off the list, so I press 1 to talk to an operator. However, no matter how nice I try to be they always hang up when I ask them not to call!