I actually answered, as I have a lot of business going on. After I said "hello?" a couple of times with no answer, I just put it down on speaker phone. Total silence for 45 seconds. I gave a loud noise and hang up.
These people call just about daily- morning, midday, then early evening. They usually dont leave a msg, but once my husband answered & there was a pre-recorded msg. abt help being available if youre late on mortgage payments- We don't pick up on any unfamiliar long distance calls; but boy are they persistent!