joe hernandez and his wife, well, they were always very careful to pay their bills on time and keep theirredit good. but that didn't seem to matter. >> we started receiving phone calls just out of the blue, and they would call and they wouldmt name of hernandez, like mine. and it usually was john or joel or jeff or julie or judy. i continually told them that they had the wrong number and to quit calling us. i thought that would end it, but of course it didn't. >> did they call all times of the day? >> we'd get calls early in the morning, late in the evening, on the weekends. it didn't matter. sometimes we'd know when the phone rang that it was some collection agency trying to collect. sometimes they would call and then about not even a half-hour or an hour later, they would call again. and we could tell by looking at the phone, what phone number it was, and it was the same number. >> how many times do you think they actually called you? >> on a daily basis? >> yes. >> could be anywhere from 3 to 14. we just got tired of the phone calls. it seemed like we were being harassed on a regular b