Recording was talking before my answer machine could start recording......."75 billion dollars to help home owners modify your current mortgage to a payment you can afford even if you are current or late on your payment. If you are a home owner, press 1 now to speak to a live agent to see if you qualify for this government aid. Press 2 if you no longer wish to receive this offer." SCAM= IF you're a home owner. (shouldn't be calling unless plus if you're on the do not call list, shouldn't call at all unless you've done business with them before last 18 months). SCAM= To help home owners. modify your current mortgage (improper grammar. Helping home owners (plural) help modify YOUR translate others helping you).