22.Hello, you’ve reached [X company]. Unfortunately, we can’t answer your call right now. But your call is very important to us — so please leave us your name, phone number, and the reason for your call and someone from our team will get back to within [X number] business days .
If they are calling without an expectation that you always pick up (such as if you are a business coach or a one-man shop) then thanking them for calling might make the most sense.

Honestly I’m okay with it happening, since its a risk for banks, but when you get to something like -100 they should just stop charging you. that way you wont feel fucked and are able to get back to a steady place. And you could pay off small amounts at a time. Like you put 20 in and it then becomes -80, and stay there, until your account becomes positive.
With the increasing number of businesses engaged in fraudulent activity and personal identity theft, it is no wonder why people are too concerned about who they are dealing business with. There are a lot of things that you can possible do in order to project the perfect image your company needs. From having a professionally looking website up to an appealing office in a great location, the companies that consider growing the client base seriously will do anything they can. But there’s one thing they often miss or really don’t consider: A professionally sounding voicemail greeting.