said by Doctor Olds:
Funny thing, but when you pay your bills (as you promised/agreed to when making a purchase using Credit) and don't spend more than you make then bill collectors don't know who the hell that you are and therefore never call you.
Don't count on that.
I've been called for bills belonging to people with my name (but a different state.) Heck, my spouse was served papers by a lawyer for an incident in Las Vegas, and he's never been to Las Vegas.
Point being, databases are often corrupt, and bill collectors (among others) really don't care. They'll beat you to death, and when you try to establish that you're not the "John Smith" they're looking for, they act like you're just a deadbeat avoiding having to pay.
And that's leaving out the whole secondary issue of stolen identity.