I received a call on my cell phone, from this number early in the morning.  There was no message left, so I called it back.  No one answered.  Instead, there was a recording indicating I had contacted Bay Area Credit Service.  The message prompted me to press # for Spanish but the immediately disconnected.  I don't know who this company is or why they are calling me.  I can only assume it's some type of telemarketing call since no one leaves a message.