I received a single cold call from a rude female who thought that simply not stopping talking would steamroller me into paying a bill I don't owe for hospital services I didn't request or want added to a prepaid service after the fact. Any time I attempted to interject a comment she simply kept talking straight through. The last thing I heard was "When we force you to pay it will be through electronic transfer" before she hung up. Less than 48 hours later (on the weekend) these ......people........ filed 2 negative reports on my credit rating. No documentation of charges, no explanation of options, and most importantly no reason to cooperate in any way with them. Any chance these people had of accomplishing anything constructive has vanished.