These *** people call in the early hours of the morning. Don't these nitwits know there are time zones and to check these before calling people.
When they do talk to whomever, there is nothing done about these distrubing calls. They are not helping people, they act as a collection type agency. They will call and then ask you to hold they will be with you momentarily. RIDICULOUS!!!!
There isn't much more that I can say except these people are not too bright and extremely inconsiderate. I think they must work from a script - that explains their limited mentality.