It's 6:30 p.m. on a weekday evening, and you settle into your chair to enjoy a relaxing dinner. You're startled when the telephone rings. A feeling of dread comes over you as the phone's harsh trill reminds you that all is not right in your world. Someone is after you and he wants your money. You recognize the number displayed on the caller ID. It's the same bill collector who's been calling your home for the past two weeks. You realize you can't escape and you finally answer the phone. Does this scenario sound familiar?