I've tried looking up the company and its phone number on the BBB and other sites, but haven't found any info. Should I call them to find out what this is about? If so, what do I say so as not to confirm, commit or obligate myself to anything? The phone message is rather intimidating: "By listening to this message you confirm that you are XXX and that you owe this debt." Nowhere in the message do they say what company they're calling about. Thanks for your help. I've never been called by a collection agency before. I've made enough of a mess out of my credit by having so much of it, but I don't want collections on there, too!