My phone didn't even ring but it buzzed and I saw that I had a new voicemail. The VM was a recording saying that it's an attempt to collect a debt, but as far as I know I'm not in arrears for anything right now. I mean I have debt but I'm making payments on everything. So... not sure this is legit. I'm not going to call back because any legitimate debt collection attempts come as letters that indicate the lender, the dates of service, the amount owed, etc., and like I said, I'm very good about staying on top of things like medical bills.