Lady's Human, there is an evil hole in all of the legislation. If it is a company that you have chosen to do business with in the past they can call you and solicit additional business from you. So your credit card companies, phone companies, service companies etc. can call and harass you, unless you specifically tell them not to call you. Even then they have something like 45 or 60 before the FCC can fine them, with the assumption that it may take them that long to update their lists. Yes, it is always best to check the incoming call number before answering any phone.