That's an easy solution, assuming that debt collectors are infallible. This is not the case. My wife got a phone call from a debt collector trying to collect on a hospital debt we knew nothing about. We talked to the hospital, and they admitted that we were not the people they were trying to collect from. Turns out the collector simply looked in the phone book for someone with the same name as the debtor (I have a common name). It took the hospital about 3 days to convince the debt collectors to lay off, with the collector leaving increasingly abusive and threatening messages.

The way the debt collection industry works, there is almost no incentive for the collections agency to actually make sure they are targeting the right person. So long as they can bluster and threaten their target into paying, they're happy.