A voice says this is for "my name"  if this is not "my name" then please hang up, if this is "my name" then pause for 3 seconds and this will confirm. They give me a reference number and tell me to say this when i call back but there is no call back number. They called my home phone and now are calling my cell phone. They tell me this is the united debit collection agency. Im only 18 and Iv never had a bill in my life other than a hospital bill that my parents religiously pay every couple of weeks without missing a single payment. I don't have a check book or a credit card or anything of that type. Im still living at home and saving for college so my parents haven't switch even a single bill to my name yet. Its not even possible for me to owe money to these people being that I don't have bills.