"Accident in the last 2 years $$$" scam calls?

Why are you answering spam calls? All that does is let them know you are a real person who is gullible enough to answer and speak with them. That just gets you even more spam calls.

Let unknown numbers go to voicemail. Legit callers will leave a message. Spam typically won’t.
 
Could these be the so-called settlement mills?

By, this I mean they promise a big settlement and the victim agrees to give the lawyer a bigger than normal percent of the settlement. Then they crank out a mostly boiler plate letter that perhaps gets the client a few thousand dollars more. Having achieved their goal they take their cut and leave the accident victim with little if any increase in the settlement. Sometimes the victim nets out less than the settlement offered to them before the lawyers got involved.
 
I get several robo-calls a day that leave a voicemail that sounds like a woman, with a friendly midwestern accent, trying to complete my "approved" loan application. They all go to voicemail automatically, but the translated messages are nearly all the same. Just another common scam to try to gather information.

Why are you answering spam calls? All that does is let them know you are a real person who is gullible enough to answer and speak with them. That just gets you even more spam calls.

Let unknown numbers go to voicemail. Legit callers will leave a message. Spam typically won’t.
Answering the phone is the single biggest thing you can do to increase the value of your phone number among scammers: Literally, from fractions of a cent to dollars. In many cases, lots of scam calls may be the result of scammers using bots to test the list your number keeps appearing on to see if people will answer, call/text back, or speak to a live person. And with each step, your number becomes more and more valuable.
 
If you are not in my contacts lists, I do not answer. Legitimate callers will leave a VM.
 
I'm thinking of the thread started by the member whose credit score crashed. There was a problem with his auto-pay on student loans I believe. He was called several times to correct the issue No voicemail was left. After 4 months he was referred to collections.
 
I'm thinking of the thread started by the member whose credit score crashed. There was a problem with his auto-pay on student loans I believe. He was called several times to correct the issue No voicemail was left. After 4 months he was referred to collections.
That shouldn’t have happened for a number of reasons. The creditor should have left a message. When unable to reach the borrower by phone they should have followed up by mail. And the borrower should have noticed that they didn’t pay their loan for 4 months.

Personally, I don’t answer the phone when it says Spam or Telemarketer but I do answer when it’s just a number not in my contacts. Way too many doctors in our lives to ignore phone calls.
 
I have no idea who calls that is not in my contact list (phone won't ring if not on the list). If it's important, they will leave a voice mail. No "home" phone here and none for the last decade or so.
 
I have no idea who calls that is not in my contact list (phone won't ring if not on the list). If it's important, they will leave a voice mail. No "home" phone here and none for the last decade or so.
Wow. Do you miss many important calls? Just for doctors alone that would be a problem. They are hard enough to reach. I don’t want to be playing telephone tag with them. I want to answer when they call. But most have multiple phone lines so one might be on my contact list but the other 5 aren’t.
 
On a related note I’ve been getting a ton of spam text messages. I think I’ve had 5 so far today. I block the numbers and report them as junk but I know that does no good as they text from an endless variety of numbers.
 
Why are you answering spam calls? All that does is let them know you are a real person who is gullible enough to answer and speak with them. That just gets you even more spam calls.

Let unknown numbers go to voicemail. Legit callers will leave a message. Spam typically won’t.
I normally do, but I let these go a few times, and I just got curious.

The problem with VM is, most of these scammers hang on the line long enough for it to register, and then I get the notice, and I need to go check to see if it is legit. Still a pain.
 
Wow. Do you miss many important calls? Just for doctors alone that would be a problem. They are hard enough to reach. I don’t want to be playing telephone tag with them. I want to answer when they call. But most have multiple phone lines so one might be on my contact list but the other 5 aren’t.
No, I use a web portal for ALL my (3) doctors messages, notifications, test reports, etc, (Methodist Hospital system) and I get notifications by text and email. Never miss a beat!
 
Wow. Do you miss many important calls? Just for doctors alone that would be a problem. They are hard enough to reach. I don’t want to be playing telephone tag with them. I want to answer when they call. But most have multiple phone lines so one might be on my contact list but the other 5 aren’t.
My entire medical system of doctors, clinics and hospital has its own exchange number. So if I see that exchange in the phone number calling me, I answer. Otherwise, unknown numbers go to voicemail.
 
That shouldn’t have happened for a number of reasons. The creditor should have left a message. When unable to reach the borrower by phone they should have followed up by mail. And the borrower should have noticed that they didn’t pay their loan for 4 months.

Personally, I don’t answer the phone when it says Spam or Telemarketer but I do answer when it’s just a number not in my contacts. Way too many doctors in our lives to ignore phone calls.
I request a credit report quarterly and always look to see that I don't have any unexpected new accounts, and that all of my accounts are current. That's another way to find out. But I agree that the creditor should have been more diligent than calling and not leaving a message.
 
Why are you answering spam calls? All that does is let them know you are a real person who is gullible enough to answer and speak with them. That just gets you even more spam calls.

Let unknown numbers go to voicemail. Legit callers will leave a message. Spam typically won’t.
This isn't always correct..for example DH was in a hospital with a large heart clinic...so someone calls my cell, it doesn't identify as blank blank hospital, it goes to voicemail, I listen to voicemail and they leave general message this so and so from heart clinic please return my call...you return their call and it goes straight to voice mail.. rinse and repeat. So a lot of legit callers will leave a message that says call me back. Its easier and more polite to answer the first call. For example DHs pacemaker clinic never identifies itself in the call number. My phone sometimes rings and displays the message "spam number" those are the only calls I outright refuse to answer.
 
Last edited:
This isn't always correct..for example DH was in a hospital with a large heart clinic...so someone calls my cell, it doesn't identify as blank blank hospital, it goes to voicemail, I listen to voicemail and they leave general message this so and so from heart clinic please return my call...you return their call and it goes straight to voice mail.. rinse and repeat. So a lot of legit callers will leave a message that says call me back. Its easier and more polite to answer the first call. For example DHs pacemaker clinic never identifies itself in the call number. My phone sometimes rings and displays the message "spam number" those are the only calls I outright refuse to answer.
And to be fair, legit numbers sometimes come up as spam. Throughout the pandemic, at our urgent care we were having patients wait in their cars rather than the waiting room and we called them when it was their turn. But the clinic number came up as spam so patients wouldn't answer, or they just didn’t answer numbers not in their contacts which ours wasn’t of course. Many times a tech had to go out and find them in the parking lot. That’s the downside of people ignoring unknown numbers.
 
Last edited:
And to be fair, legit numbers sometimes come up as spam. Throughout the pandemic, burgers care we were having patients wait in their cars rather than the waiting room and we called them when it was their turn. But the clinic number came up as spam so patients would t answer, or they just didn’t answer numbers not in their contacts which ours wasn’t of course. Many times a tech had to go out and find them in the parking lot. That’s the downside of people ignoring unknown numbers.
Man, I remember those days. I recall needing to wait in a parking garage to get a covid test. I had to wait for the phone to ring to pull into the one stall where they did the test. Sure enough, I would get a spam call and answer it. That must have happened every other time.

I was going through all kinds of procedures at that time, and I had to have a recent covid test or they wouldn't let me enter the hospital (in a day or two) to get the procedure. What a nightmare and a pain as well. Add in the spam calls and it was insult added to injury.
 
Just to be clear, my post was supposed to say "at our urgent care" not "burgers care".
Heh, heh, I was thinking "boogers" care and it made me recall getting all those Covid tests where they plumbed the very depths of your soul - I mean sinuses. :facepalm: ;)
 
Heh, heh, I was thinking "boogers" care and it made me recall getting all those Covid tests where they plumbed the very depths of your soul - I mean sinuses. :facepalm: ;)
We were all very happy at urgent care when we switched from those to the ones that swirled just inside your nostril. Our patients were very happy too.
 
We were all very happy at urgent care when we switched from those to the ones that swirled just inside your nostril. Our patients were very happy too.
Everyone else did those swirl tests, but our main hospital required the "in depth" test. I always had a sinus headache for an hour or two following each test. AND they cost a lot of money (mostly paid by Medicare IIRC.)
 
Answering the phone is the single biggest thing you can do to increase the value of your phone number among scammers: Literally, from fractions of a cent to dollars. In many cases, lots of scam calls may be the result of scammers using bots to test the list your number keeps appearing on to see if people will answer, call/text back, or speak to a live person. And with each step, your number becomes more and more valuable.
This is what I always suspected but I’ve never seen it stated as well as you have.

I do appreciate the voicemail text translations that magically started to appear on my phone about 8 months ago. The only scam calls that leave messages are the tax assistance scam calls and I can delete them quickly as soon as I see that text translation.
 
I get occasional spam text messages but almost never get unknown calls, and I don't answer them. I only got one in the last few months, and it was a friend with a new number, and he left a voice mail.

I have Tello, and they recently started offering a $2/mo Spam Guard, that I'm NOT buying:

"Choose the Scam Guard level that works best for you to keep your calls safe from potential scams. This feature is added to your plan and billed monthly along with your other charges."
 
A friend had the "IRS" call her, said she owed lots of money, etc, played around with them and then hung up. The person called back and told them she owes another $100 because she hung up on them!
 
A friend had the "IRS" call her, said she owed lots of money, etc, played around with them and then hung up. The person called back and told them she owes another $100 because she hung up on them!
Heh, heh, "How much extra if I swear at you before I hang up?"
 
Back
Top Bottom