Scam calls...we all get 'em.

They can be pretty sneaky, too. I remember hearing a story a while back that scammers -- pretending to be someone they're not -- will call and ask you yes or no questions, record your answers and then use the recordings of your voice to authorize purchases and other fraudulent charges in your name.

Whatever the means of scam, these types of calls to our personal phones only seem to be increasing and are pretty much the worst.

If it's any consolation, I recently took one such scam phone call in the Mix 94.9 studio.

A woman claiming to be "Anna" with the "Healthcare Enrollment Center" called last week in regards to my "inquiry" into health insurance. The first thing that triggered a red flag was that I had never inquired about healthcare insurance and never would have given the Mix 94.9 studio phone number. The second red flag is that the woman didn't stop to let me talk.

"So I just have a few quick questions, and then I'll get you right over to an insurance specialist."

At this point, I'm still waiting for a chance to jump in and say I'm not interested or -- at the very least -- she's called a radio station, but she continues.

"So let's just start with an easy one -- are you looking for affordable insurance coverage?"

First of all, please don't patronize me, lady. And second, if you're really following up on an inquiry, you should know the answer to this. That's not what I said, of course, because I'm a polite person. What I did say was:

"At the moment, I'm not, though I wonder if you realize you've called a radio station..."

"I'm sorry?" she started. "I didn't hear you clearly."

"You've called-" I begin to say. She keeps on talking, asking again.

"Are you looking for affordable insurance coverage?"

"I'm not," I said. "This is a radio station. This is Mix 94.9, you're on the air." (She wasn't, but she didn't need to know that).

You should know that I've taken accidental phone calls in the studio before, and usually at this point the person on the other end -- realizing their mistake -- becomes embarrassed, flustered and apologizes. This woman, however, was persistent. A third time, she forcefully asked the same question.

"Are you looking for affordable insurance coverage?"

If this woman was legitimate and trying to do her job, I have to applaud her. She didn't let up. I, however, did. With red flags raised and internal alarms screaming, I decided this call was sounding more and more like a very adamant attempt at a scam, and I didn't want to say anything more that might incriminate me. So I hung up.

Well, I think the lesson to be learned here is that none of us are devoid of scam calls. Unfortunately, I may have more obligation and expectation to tolerate them as a radio DJ than you do. You can listen to the full phone conversation below:

Regardless, perhaps you can take a warning from my own story and some additional caution from the FCC via ABC News:

1. Don't answer calls from unknown numbers. Let them go to voicemail.

2. If you answer and the caller (often a recording) asks you to hit a button to stop receiving calls, just hang up. Scammers often use these tricks to identify, and then target, live respondents.

3. If you receive a scam call, write down the number and file a complaint with the FCC so we can help identify and take appropriate action to help consumers targeted by illegal callers.

4. Ask your phone service provider if it offers a robocall blocking service. If not, encourage your provider to offer one. You can also visit the FCC's website for information and resources on available robocall blocking tools to help reduce unwanted calls. Consider registering all of your telephone numbers in the National Do Not Call Registry.

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