<prompt> Human: Hey guys, I just received a voicemail from someone identifiying them self as, Scott from Annuity Bank replaying to a conversation we had three weeks ago about a structured settlement. He goes on to say that his company can beat an offer that JG Wentworth had made me. The man addresses me by name, and mentions the state that Im from, BUT he and I have never spoken, I have no idea what a structured settlement is, and I dont know what any of this means. Should I be scared? A Google search for Annuity Bank doesnt seem to produce one particular company. Could this be indentity theft? I do owe a small amount of school loans I havent paid on in a while. Is it a ruse by a debt collector?  <response>: Im going to bet 85 chance this is someone trying to scam you. A structured settlement would be something like Got hit by a commercial driver, sued them won, and they agreed to pay you 10k a year for 40 years but then you sell that to get a lump sum. Its pretty trivial to buy lists that contain names, addresses and phone number for pennies per contact. So they are probably just robo dialing a billion people hoping they can scam someone. Id ignore it for now, and if its important they will call back. 