I CALL IT BACK AND THE RECORDING OF COURSE HAS SPANISH AT THE
START!! AND THEN THE AMERICAN LADY VOICE SAYS "PLEASE HOLD WHILE
WE ACCESS YOUR RECORDS"
I DON"T OWE OUT ANYTHING SO I HANG UP!

It is an "appellate" according to them...but it's just a collector. If you give your name, they'll tell you who the call is from or concerning...THEN you can hang up...and just deal with THAT company directly. In my case to them...Chapter 7, B***ches...the company's already on the list!  Call on that!