Oddly enough, having an “unusual” name is almost worse, because it makes it easy for anyone handling the situation to *assume* that you *must* be the right one. If your name was “John Smith” they would have to try to find the right one, but an unusual name makes them lazy (sometimes).
I don't have personal knowledge but I'd think that a person with bad debt would also have other complaints attached to their name. Look it up first.