I've had over 10 calls in the past week from them. They ask for hubby and hang up when i say he's not here. Some of the callers identify themselves as from ECMS and ask if I'm the Mrs, then hang up before I get a chance to tell them never to call here again. The last one got huffy and hung up when I asked who ECMS was. I have a suspicison they are a collection agency, but can't find anything on them and they haven't contacted us by mail yet. I'm 99.9% sure they say "ECMS" but it could be EZMS or any other letters that sound like EC. The callers are almost all black females with accents. I've searched all the combinations and can't find anything... maybe i'm overly paranoid and they are really just annoying telemarketers and not a collection agency. <g> Any ideas?