Feb 10: "This is a very important message about your current home loan" scam

Woman's voice: "This is a very important message about your current home loan. Are you late on your mortgage payments? Have you been unable to refinance in the recent past? A new government approved program is available to help you permanently lower your mortgage payment without incurring the high cost of a refinance. Please press one now to speak with a loan modification specialist for a free consultation. Or press two to be removed from this list."