Transworld Systems calls about 4 times a week from 8:30 AM to 9:30 PM including Saturdays and Sunday. With a recording that they are attempting to collect a Dept. We have not had a credit card since 1989. We have no personal debt other than a car payment and a mortgage - everything is cash. I refuse to play their silly game of collection so I simply Hang up when I hear the pause in the phone. This is the best way I have found to deal with them.