This is a 3rd party telemarketing company trying to "qualify you" for lower credit card rates. It seems like it's proactive Debt Counseling or something of that nature. I actually answered and played along and the guy was rude and refused to divulge any company info so it was obviously a scam!
While I was interstate driving I nearly had a wreck trying to get to my phone that fell on the floor. This is my work phone and I usually answer it. Having come close to having a serious problem I'm asking why these people call cell phones. I would guess that over 50% are on the road or in a business meeting or school.
No one should be able to call your cell phone with out permission.
Last week my child in high school got in trouble reading a text messege I sent her. I have told her to shut her phone off now while in class.
Cell phones are for traveling and should not be used by scam people.