When I answered it was a computer recording saying something to the effect of "if you don't want to lose your house, you don't have to. We can help. this is NOT a new loan. We can help your credit and in most cases..." blah, blah, blah. After they repeat the message about 10 times, they finally give you the option to press 2 or whatever "if you feel you have received this recording in error" to be removed from their call list. We are on the dnc list. Yep that list really helps. I think these companies use it as a lead sheet of who TO call. Not who NOT to call.