"Yes, actually you did catch me at a bad time"? I know Tammy Stanley teaches to ask if you've caught your contact at a bad time because with the natural desire to push back, most people will say "No, this is fine." But when you do get that person who is at work or putting the kids to bed or making dinner or whatever, what do you say? Do you just ask when would be a better time? Do you still mention why you're calling?