all of the above, daily even 3-5 times in one hour. I have stayed on the line and been connected to a human and explained that the bills in question were paid by my insurance and I had paid the balance or would pay the balance when I have funds to do so but am already in bankruptcy over medical bills and have an accumulation of some $30,000. more that have not yet been paid by the insurance since major surgery in the fall. They do not leave messages and so I have added them to the annoying caller list in my cell bank and do not answer any more. My voice mail is specific about leaving your name, a direct number, and reason for the call.
I am really sick of them!