Why they keep calling a brutha??????

How many times have you been called and bugged about some bill that may or may not have been yours? I know I have, but what can someone do to deal with them effectively? Peep my thoughts and try it and see what happens suckers..... Creditor: This is Mike from Bank of America. I need to speak to you about your overdue payment on your credit card. You: I'm sorry. I don't know who you are. Because I'm afraid of identity theft, and I want to protect my privacy, I do not talk with anyone on the phone concerning my personal or business affairs. You are welcome to write me a letter. Creditor: But is this John Smith? You: I'm sorry, but I don't give out any information over the phone. Creditor: Is 999-999-999 your phone number? You: I'm sorry, but I don't give out any information over the phone. Please contact me in writing. Creditor: Well, what is your address? You: If you are who you say you are, then you have my address. Please do not contact me by phone again. Creditor: But do you own this credit card? You: I'm sorry, I've explained that I'm not going to talk with you over the phone. I don't wish to be rude, but I'm hanging up now. Please do not contact me again. ​Make sure you are polite, give them ABSOLUTELY NO INFORMATION, even your name, phone number, address, and whether you own the account. Do not discuss anything with them. O.k. now hurry up and wait by the phone and do like Wardy! I am Ward...