If people would just stop and think -- NO government official -- whether it's the police or IRS will call to let you know you owe money. If you owe money, they send letters!!!!! It's a no-brainer!!!! When I have salesman call me or come to my door, I inform them "I don't buy, sell or trade by phone or at my front door" ---- Do this enough times and we may remember that when we get dementia!!!!