If you say the name “Rachel” or mention the word “robocall” in many communities ,the response may be a nod of the head, rolling of the eyes, or a few choice words that indicate displeasure at the mention of the  name and term. So who is “Rachel” , what is a “robocall”, and why do they have in something common?

Rachel is a soothing pre-recorded voice that tries to lull people into purchasing products or services. She offers to   lower your interest rates, improve your credit ratings, and hopes to make your financial concerns hers – in more ways than one.  Revealing  your personal  information allows scammers  to pounce on your money and lower your bank account, not your interest rate! Call any credit card companies yourself to request  lower rates. It’s free and there’s no risk involved.

Advances in technology have allowed companies to use electronic devices known as autodialers to help with their marketing needs. The goal is to play a pre-recorded message and  get a live response from someone  which enables the company to pitch their products or services. The device does not screen the Do Not Call list prior to dialing and that is why the calls get through to folks who have placed their numbers on the Do Not Call registry. While some pre-recorded calls are legal, such as notifications from pharmacies about prescription status or local schools with important information for students, sales calls without prior written permission from the consumer  are illegal.

Here are some simple guidelines for dealing with unwanted calls.

Do not respond when asked to press a button or number. By doing so you let them know it is a legitimate phone number and the calls can increase in frequency.

Keep in mind that fake Caller ID numbers may look legitimate but actually can hide a location and the caller’s true identity. If possible, block the numbers with your phone carrier if there is no fee. The same caller can use several different numbers when contacting you so it may not be feasible to keep blocking each one that gets through.

Last, but not least, if all else fails, just hang up. You can report robocalls to the FTC by calling 1-888-382-1222 or visit their website at www.ftc.gov. Another source for information and help is the Federal Communications Commission which regulates many aspects of communications. Contact them at 1-888-225-5322 or visit www.fcc.gov for more tips.

There are times when definite responses are required when dealing with callers on the phone and times when silence is really golden. It’s up to you to make that call.