I've been getting calls from them for months now, every day several times a day. I have no idea why they're calling, but I know it can't be for anything legitimate since although I am in debt with student loans and a credit card, I'm on top of all those accounts and none of them have been or have any reason to be sent to a collection agency. I just refuse to answer after reading all the horror stories of false debts that they just make up to get you to pay in order to keep it off your credit report and the fact that they at first often don't even know who they are calling and then find out by talking to you and THEN put things on your credit report. I don't know, should I answer? I would assume if I actually owed someone money they would send me something in the mail, or leave a voice mail or something. I actually just got fed up with them calling me 3 or more times per day so I just went online to my cell phone account and am going to now have their phone calls blocked, at least from the number that they have been calling me from for the last two months. They used to call me from a different number.