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This means that your phone line is short circuited somewhere.
The technical name for it is Partial line Lockout.
Try unplugging anything connected to the phone line, including modems, fax machines, house alarms etc (as faulty equipment can cause this), then try ringing home again. If it now rings, plug things in 1 at a time and ring each time to see what is causing it.
If it is still an engaged tone with everything unplugged, then the short circuit is on the phone line in the street and needs to be repaired by your telephone company.
If you are not getting a dial tone then something is holding the line off hook. Disconnect any other device you have on your lines and check to see if you get your dial tone back. If you still have no dial tone unplug each phone and check again. You may have to disconnect everything for a minute or two so the phone company will reset its equipment. Plug in your phones one at a time and check your dial tone every time you add something new.
If you add something and you loose your dial tone immediately you may have a crossed connection in the wall socket, any splitters or in the phone plug. Check to make sure all of the wires in those sockets are straight before you plug in your phone wire.
If you add your CC machine and everything is good but it fails after you run a transaction you will have to contact the supplier of your CC machine. It is not hanging up the line.