How not to avoid debt collectors
If your name is Melissa Casher, please pay off your debt.
And in the future, I would prefer that you do not put me down as a contact reference, because there are debt collectors repeatedly calling me asking for help locating you.
The best part is that most of them are skeptical when I let them know that I have no idea who Melissa Casher is, then call back a few hours later as if I would have gone out to meet you during that time, and now know who you are.