Hey "Bfudd" - let's all get this straight - you "waz scared"? You're afraid if your phone. If that's true, throw your phone in the closet lake, or ocean. Only an idiot would be a fraidy-cat of their phone--then again, of course, unless you're on America's Most Wanted Top-10 list.
Urgent that I return their call so I can "qualify" for lower interest rates. This is the seventh different number that has called making the same offer. Return to your bliss and ignore these idiots.