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This company is a non-profit and offers discount coupons to people of all ages, but has a lower-priced annual fee for those aged 50-80.

If your phone is listed on the national "do not call" registry, as a non-profit organization, they can still call your phone, as non-profits are exempt from the do not call laws. If APSA continues to call you even after you request removal from their automated calling list, continue to ask them to stop calling you.

A non-profit organization must spend all their outstanding cash before the end of each year, so they often simply turn any profits into executive bonuses.

America's Professional Services Organization represents a variety of 'partner' companies that sell life insurance, health insurance, financial services products, medical and health programs, and other financial instruments. None of these companies are permitted to cold-call any phone numbers on the Federal Do-Not-Call Registry, so using APSA to make the calls and set up appointments for them lets them get around this law.

If you agree to do business with APSA when they call you, they will have a representative come to your home and give you a packet of discount coupons and set up additional appointments with their for-profit partners.

If you have been getting nuisance calls from (586) 283-3000 and find that you cannot call that number back to ask that calls stop, you may contact APSA's Customer Service line at (800) 898-8282 and ask for Monica.

They have a website you can find by Googling their company name -- America's Professional Services Organization. The seniors pictured on their website are professional models, not customers.

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Q: What is the American professional service association?
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