Here's an experience some of us have had. The phone rings. You pick it up and say "Hello. Hello. Helloooo." But nobody answers.
It turns out there could be someone on the other end of the line: an automated computer system that's calling your number — and tens of thousands of others — to build a list of humans to target for theft.
Answered since it was local area code, took a minute for someone to answer me, said they were calling in regard to my car insurance payment. I don't have any car insurance payments. Marking off scam.