They called once, hung up and called back.  Since local calls from junk are rare I called back.  I got "Please hold for the next available representative."  So I hung up. I applied for no job or loan online, to be honest I have no idea where these people got this number from but they call at least hourly from as early as 7:30 (sunrise is at 7:10.for crying out loud!).and until.as late as 11:30 pm.  I guess they figure I sleep midnite til seven am.  I actually sleep 2-5:30 am and nap in the day but they've woken up hubby many times so ringer goes off.  If there's ever an emergency I won't know til morning.  Btw wen j turn on ringer and chk cones between 6-7 am, oftentimes I have several missed calls.  My VM is full and I don't clear cause theg fill it up every 6-7 hr.