"Hi mom, it's Chrissy, I am calling you from someone else's phone, my phone got stolen. Do you have a pen handy, I'll wait. Ok, here is my new number, take the old one off your contacts right away, surely some scammer has it, and can you forward me 1000 bucks or so for a new phone, I'll pay it back when I have the new phone set up, here is my account number...."

When it's a text message it's likely going to ring a bell somewhere (hopefully an alarm bell), if it is a voice message and it sounds like the original many more people are going to fall for it.