My husband and I tell the telemarketers that we are part of the government's new unemployed, and by the looks of things we are getting ready to file bankruptcy., so it isn't going to do them any good to continue talking ot us and trying to get our money., we don't have any. A few times I have gotten mad and asked for their phone number so that I can report them for violating our name that is on the National Do Not Call Registry and remind them the fine is $10,000 because of continual harassment. Usually, after the second time they call, it is the last. Perserverence pays off, and the unemployment/bankruptcy part works great also.