1. If they want to loan আপনি money, tell them আপনি just filed for bankruptcy and আপনি could sure use some money.
2. If they start out with, "How are আপনি today?" say, "Why do আপনি want to know?" Alternately, আপনি can tell them, "I'm so glad আপনি asked, because no one these days seems to care, and I have all these problems; my sciatica is অভিনয় up, my eyelashes are sore, my dog just died..." When they try to get to the sell, just keep talking about your "problems."
3. If they say they're Joe Doe from the XYZ Company, ask them to spell their name. Then ask them to spell the company name. Then ask them...
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